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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 | $22,099 | $105,198-79.0% | $159,455-86.1% | $85,856-74.3% |
| Participation rate | 14.3% | 75.8%-61.5pp | 82.8%-68.5pp | 69.3%-55.0pp |
| Annual return | 8.97% | 45.08%-36.1pp | 263.63%-254.7pp | 318.58%-309.6pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,830-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $971 | $5,946-83.7% | $7,353-86.8% | $3,952-75.4% |
| Admin fee / account holder | $841 | $6,934-87.9% | $10,800-92.2% | $6,261-86.6% |