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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 | $17,979 | $73,955-75.7% | $96,520-81.4% | $75,181-76.1% |
| Participation rate | 22.7% | 66.4%-43.7pp | 74.3%-51.6pp | 67.2%-44.5pp |
| Annual return | 13.93% | 26.72%-12.8pp | 35.72%-21.8pp | 160.69%-146.8pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,739-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,137 | $3,659-68.9% | $4,879-76.7% | $4,126-72.4% |
| Admin fee / account holder | $5,398 | $5,217+3.5% | $6,733-19.8% | $5,650-4.5% |