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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 | $7,633 | $109,344-93.0% | $89,400-91.5% | $158,950-95.2% |
| Participation rate | 9.5% | 74.3%-64.7pp | 68.0%-58.5pp | 82.0%-72.4pp |
| Annual return | 20.78% | 345.73%-324.9pp | 245.64%-224.9pp | 302.91%-282.1pp |
| Employer contribution / active EE | $0 | $3,170-100.0% | $2,586-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $388 | $4,599-91.6% | $3,890-90.0% | $5,983-93.5% |
| Admin fee / account holder | $2,113 | $6,154-65.7% | $4,882-56.7% | $11,248-81.2% |