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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 | $13,299 | $77,358-82.8% | $102,184-87.0% | $87,485-84.8% |
| Participation rate | 23.3% | 78.7%-55.3pp | 82.6%-59.3pp | 68.9%-45.6pp |
| Annual return | 15.66% | 41.11%-25.5pp | 31.58%-15.9pp | 26.06%-10.4pp |
| Employer contribution / active EE | $0 | $2,562-100.0% | $3,594-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,091 | $6,753-83.8% | $8,309-86.9% | $4,274-74.5% |
| Admin fee / account holder | $5,063 | $6,809-25.6% | $11,609-56.4% | $7,775-34.9% |