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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 | $7,834 | $59,440-86.8% | $78,004-90.0% | $82,637-90.5% |
| Participation rate | 26.5% | 62.8%-36.3pp | 69.4%-42.9pp | 68.1%-41.5pp |
| Annual return | 17.07% | 40.24%-23.2pp | 31.07%-14.0pp | 53.51%-36.4pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $798 | $3,138-74.6% | $4,092-80.5% | $4,126-80.7% |
| Admin fee / account holder | $2,295 | $5,504-58.3% | $7,578-69.7% | $7,339-68.7% |