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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 | $28,216 | $76,112-62.9% | $96,534-70.8% | $71,511-60.5% |
| Participation rate | 53.3% | 74.4%-21.1pp | 76.0%-22.6pp | 67.9%-14.6pp |
| Annual return | 18.36% | 22.81%-4.4pp | 25.88%-7.5pp | 28.86%-10.5pp |
| Employer contribution / active EE | $869 | $2,248-61.3% | $2,965-70.7% | $2,589-66.4% |
| Participant deferral / active EE | $1,323 | $4,217-68.6% | $4,851-72.7% | $4,291-69.2% |
| Admin fee / account holder | $1,569 | $2,708-42.1% | $8,253-81.0% | $1,588-1.2% |