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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 | $19,517 | $93,598-79.1% | $135,974-85.6% | $75,173-74.0% |
| Participation rate | 43.3% | 75.2%-31.9pp | 81.9%-38.6pp | 67.2%-23.9pp |
| Annual return | 29.37% | 30.89%-1.5pp | 68.30%-38.9pp | 160.72%-131.4pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,063 | $6,405-36.6% | $7,760-47.6% | $4,126-1.5% |
| Admin fee / account holder | $651 | $6,978-90.7% | $10,767-94.0% | $5,651-88.5% |