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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 | $19,678 | $67,602-70.9% | $82,312-76.1% | $70,126-71.9% |
| Participation rate | 15.9% | 72.8%-56.9pp | 76.9%-61.0pp | 69.5%-53.7pp |
| Annual return | 4.48% | 21.57%-17.1pp | 25.88%-21.4pp | 73.15%-68.7pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,137 | $2,987-61.9% | $3,706-69.3% | $3,332-65.9% |
| Admin fee / account holder | $4,658 | $4,512+3.3% | $5,608-16.9% | $4,645+0.3% |