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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 | $6,178 | $81,504-92.4% | $102,437-94.0% | $80,959-92.4% |
| Participation rate | 18.4% | 66.9%-48.4pp | 74.5%-56.1pp | 67.7%-49.2pp |
| Annual return | 8.96% | 25.60%-16.6pp | 24.95%-16.0pp | 35.67%-26.7pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,266 | $3,871-67.3% | $5,060-75.0% | $4,300-70.6% |
| Admin fee / account holder | $339 | $6,719-95.0% | $8,388-96.0% | $6,925-95.1% |