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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 | $9,492 | $174,379-94.6% | $152,093-93.8% | $138,895-93.2% |
| Participation rate | 47.1% | 81.6%-34.6pp | 77.8%-30.7pp | 79.9%-32.9pp |
| Annual return | 22.44% | 74.86%-52.4pp | 66.36%-43.9pp | 145.39%-122.9pp |
| Employer contribution / active EE | $0 | $4,652-100.0% | $4,175-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,471 | $6,159-76.1% | $5,451-73.0% | $6,396-77.0% |
| Admin fee / account holder | $516 | $16,880-96.9% | $14,497-96.4% | $12,562-95.9% |