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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 | $25,874 | $95,404-72.9% | $113,397-77.2% | $82,637-68.7% |
| Participation rate | 17.2% | 72.8%-55.6pp | 76.5%-59.3pp | 68.1%-50.8pp |
| Annual return | 19.22% | 19.08%+0.1pp | 23.20%-4.0pp | 53.51%-34.3pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,409 | $4,220-66.6% | $5,076-72.3% | $4,126-65.9% |
| Admin fee / account holder | $1,469 | $9,168-84.0% | $11,957-87.7% | $7,339-80.0% |