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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 | $20,123 | $102,393-80.3% | $147,041-86.3% | $80,911-75.1% |
| Participation rate | 10.5% | 75.9%-65.3pp | 82.2%-71.6pp | 67.6%-57.1pp |
| Annual return | 14.85% | 134.95%-120.1pp | 419.21%-404.4pp | 35.63%-20.8pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $657 | $6,647-90.1% | $8,071-91.9% | $4,297-84.7% |
| Admin fee / account holder | $4,202 | $7,943-47.1% | $13,006-67.7% | $6,935-39.4% |