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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 | $9,826 | $135,956-92.8% | $123,894-92.1% | $273,972-96.4% |
| Participation rate | 60.0% | 84.1%-24.1pp | 81.4%-21.4pp | 83.0%-23.0pp |
| Annual return | -0.16% | 56.63%-56.8pp | 47.52%-47.7pp | 41.46%-41.6pp |
| Employer contribution / active EE | $1,926 | $5,170-62.7% | $4,617-58.3% | $4,869-60.4% |
| Participant deferral / active EE | $1,373 | $6,343-78.3% | $5,984-77.0% | $5,287-74.0% |
| Admin fee / account holder | $5,613 | $9,817-42.8% | $8,357-32.8% | $10,133-44.6% |