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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.)
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 | $9,037 | $81,358-88.9% | $155,556-94.2% | $80,959-88.8% |
| Participation rate | 16.7% | 66.3%-49.6pp | 78.2%-61.6pp | 67.7%-51.0pp |
| Annual return | 28.73% | 33.39%-4.7pp | 64.84%-36.1pp | 35.67%-6.9pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $833 | $3,455-75.9% | $5,631-85.2% | $4,300-80.6% |
| Admin fee / account holder | $851 | $7,994-89.3% | $15,885-94.6% | $6,925-87.7% |