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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 | $18,248 | $145,431-87.5% | $211,142-91.4% | $87,485-79.1% |
| Participation rate | 18.1% | 84.7%-66.7pp | 87.3%-69.2pp | 68.9%-50.9pp |
| Annual return | 17.11% | 27.21%-10.1pp | 46.84%-29.7pp | 26.06%-9.0pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $314 | $6,859-95.4% | $9,284-96.6% | $4,274-92.7% |
| Admin fee / account holder | $508 | $17,052-97.0% | $19,076-97.3% | $7,775-93.5% |