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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 | $9,753 | $217,432-95.5% | $185,849-94.8% | $167,536-94.2% |
| Participation rate | 47.8% | 86.1%-38.2pp | 81.7%-33.9pp | 82.1%-34.3pp |
| Annual return | -12.77% | 148.42%-161.2pp | 122.10%-134.9pp | 478.82%-491.6pp |
| Employer contribution / active EE | $0 | $5,875-100.0% | $5,169-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $2,129 | $6,357-66.5% | $5,569-61.8% | $6,342-66.4% |
| Admin fee / account holder | $2,250 | $19,818-88.6% | $16,244-86.1% | $12,315-81.7% |