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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 | $1,202 | $57,073-97.9% | $85,126-98.6% | $80,925-98.5% |
| Participation rate | 64.3% | 56.4%+7.9pp | 67.5%-3.2pp | 67.7%-3.4pp |
| Annual return | 8.77% | 21.69%-12.9pp | 66.63%-57.9pp | 35.65%-26.9pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $310 | $3,113-90.1% | $4,523-93.2% | $4,299-92.8% |
| Admin fee / account holder | $438 | $4,988-91.2% | $6,160-92.9% | $6,940-93.7% |