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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 | $2,481 | $55,902-95.6% | $76,030-96.7% | $80,959-96.9% |
| Participation rate | 61.7% | 62.1%-0.4pp | 69.1%-7.4pp | 67.7%-6.0pp |
| Annual return | 10.92% | 20.59%-9.7pp | 361.54%-350.6pp | 35.67%-24.7pp |
| Employer contribution / active EE | $399 | $1,867-78.6% | $2,688-85.1% | $2,757-85.5% |
| Participant deferral / active EE | $498 | $3,051-83.7% | $4,257-88.3% | $4,300-88.4% |
| Admin fee / account holder | $531 | $5,239-89.9% | $6,421-91.7% | $6,925-92.3% |