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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.)
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 | $14,879 | $88,203-83.1% | $165,100-91.0% | $74,478-80.0% |
| Participation rate | 36.9% | 73.1%-36.2pp | 78.6%-41.7pp | 67.2%-30.3pp |
| Annual return | 11.07% | 17.13%-6.1pp | 70.21%-59.1pp | 1370.56%-1359.5pp |
| Employer contribution / active EE | -$1 | $2,601-100.0% | $4,348-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,576 | $4,505-42.8% | $6,035-57.3% | $4,350-40.8% |
| Admin fee / account holder | $2,546 | $2,235+13.9% | $12,696-79.9% | $1,946+30.8% |