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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,863 | $78,607-69.6% | $105,624-77.4% | $74,478-68.0% |
| Participation rate | 4.7% | 72.8%-68.1pp | 75.3%-70.6pp | 67.2%-62.5pp |
| Annual return | 7.84% | 15.96%-8.1pp | 116.20%-108.4pp | 1370.56%-1362.7pp |
| Employer contribution / active EE | $0 | $2,523-100.0% | $3,168-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $140 | $4,325-96.8% | $5,013-97.2% | $4,350-96.8% |
| Admin fee / account holder | $2,808 | $2,220+26.5% | $10,961-74.4% | $1,946+44.3% |