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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $20,517 | $157,304-87.0% | $141,197-85.5% | $152,909-86.6% |
| Participation rate | 46.2% | 84.8%-38.7pp | 82.5%-36.3pp | 82.5%-36.3pp |
| Annual return | 22.83% | 64.34%-41.5pp | 71.41%-48.6pp | 345.46%-322.6pp |
| Employer contribution / active EE | $182 | $5,263-96.5% | $4,736-96.2% | $4,764-96.2% |
| Participant deferral / active EE | $2,395 | $7,111-66.3% | $6,710-64.3% | $5,851-59.1% |
| Admin fee / account holder | $2,234 | $12,126-81.6% | $10,265-78.2% | $11,601-80.7% |