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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,111 | $96,558-83.3% | $80,977-80.1% | $273,972-94.1% |
| Participation rate | 9.5% | 79.1%-69.6pp | 75.8%-66.3pp | 83.0%-73.5pp |
| Annual return | 4.50% | 15.14%-10.6pp | 17.11%-12.6pp | 41.46%-37.0pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $0 | $6,598-100.0% | $5,696-100.0% | $5,287-100.0% |
| Admin fee / account holder | $3,881 | $7,493-48.2% | $5,517-29.6% | $10,133-61.7% |