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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 | $21,312 | $100,060-78.7% | $149,721-85.8% | $70,126-69.6% |
| Participation rate | 66.0% | 83.6%-17.6pp | 87.1%-21.1pp | 69.5%-3.6pp |
| Annual return | 12.51% | 27.46%-14.9pp | 1501.67%-1489.2pp | 73.15%-60.6pp |
| Employer contribution / active EE | $1,534 | $3,661-58.1% | $5,444-71.8% | $2,343-34.5% |
| Participant deferral / active EE | $2,038 | $4,982-59.1% | $6,568-69.0% | $3,332-38.8% |
| Admin fee / account holder | $442 | $8,285-94.7% | $11,282-96.1% | $4,645-90.5% |