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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 | $15,404 | $58,493-73.7% | $84,023-81.7% | $72,976-78.9% |
| Participation rate | 40.0% | 61.2%-21.2pp | 69.0%-29.0pp | 69.5%-29.5pp |
| Annual return | 17.55% | 28.93%-11.4pp | 71.32%-53.8pp | 81.02%-63.5pp |
| Employer contribution / active EE | $433 | $1,163-62.7% | $1,984-78.2% | $2,440-82.2% |
| Participant deferral / active EE | $1,004 | $2,394-58.1% | $3,239-69.0% | $3,608-72.2% |
| Admin fee / account holder | $2,364 | $4,569-48.3% | $6,102-61.3% | $5,124-53.9% |