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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 | $22,152 | $73,532-69.9% | $178,505-87.6% | $74,478-70.3% |
| Participation rate | 19.3% | 66.6%-47.3pp | 77.1%-57.8pp | 67.2%-47.9pp |
| Annual return | 18.74% | 17.49%+1.3pp | 27.16%-8.4pp | 1370.56%-1351.8pp |
| Employer contribution / active EE | $735 | $2,221-66.9% | $3,955-81.4% | $2,626-72.0% |
| Participant deferral / active EE | $1,139 | $4,519-74.8% | $6,280-81.9% | $4,350-73.8% |
| Admin fee / account holder | $1,324 | $1,813-26.9% | $10,428-87.3% | $1,946-31.9% |