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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 | $7,916 | $174,379-95.5% | $152,093-94.8% | $138,895-94.3% |
| Participation rate | 23.1% | 81.6%-58.6pp | 77.8%-54.7pp | 79.9%-56.8pp |
| Annual return | 5.14% | 74.86%-69.7pp | 66.36%-61.2pp | 145.39%-140.3pp |
| Employer contribution / active EE | $0 | $4,652-100.0% | $4,175-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $571 | $6,159-90.7% | $5,451-89.5% | $6,396-91.1% |
| Admin fee / account holder | $424 | $16,880-97.5% | $14,497-97.1% | $12,562-96.6% |