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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 | $32,047 | $101,672-68.5% | $147,117-78.2% | $74,478-57.0% |
| Participation rate | 57.1% | 75.5%-18.4pp | 82.2%-25.0pp | 67.2%-10.1pp |
| Annual return | 20.09% | 8757.83%-8737.7pp | 420.54%-400.5pp | 1370.56%-1350.5pp |
| Employer contribution / active EE | $1,247 | $3,813-67.3% | $4,932-74.7% | $2,626-52.5% |
| Participant deferral / active EE | $2,131 | $7,305-70.8% | $8,065-73.6% | $4,350-51.0% |
| Admin fee / account holder | $586 | $1,753-66.6% | $12,993-95.5% | $1,946-69.9% |