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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 | $6,441 | $111,814-94.2% | $93,654-93.1% | $145,959-95.6% |
| Participation rate | 28.6% | 74.2%-45.6pp | 68.7%-40.1pp | 80.3%-51.7pp |
| Annual return | 6.20% | 203.30%-197.1pp | 133.34%-127.1pp | 561.95%-555.7pp |
| Employer contribution / active EE | $868 | $3,092-71.9% | $2,421-64.2% | $4,661-81.4% |
| Participant deferral / active EE | $847 | $4,914-82.8% | $4,413-80.8% | $6,689-87.3% |
| Admin fee / account holder | $844 | $10,246-91.8% | $8,282-89.8% | $13,398-93.7% |