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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 | $1,356 | $59,839-97.7% | $81,988-98.3% | $79,858-98.3% |
| Participation rate | 7.1% | 61.6%-54.5pp | 69.3%-62.1pp | 69.6%-62.5pp |
| Annual return | 20.25% | 17.56%+2.7pp | 41.31%-21.1pp | 31.72%-11.5pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $74 | $2,695-97.3% | $3,722-98.0% | $3,740-98.0% |
| Admin fee / account holder | $350 | $4,287-91.8% | $5,665-93.8% | $5,306-93.4% |