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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 | $30,063 | $130,294-76.9% | $170,004-82.3% | $71,476-57.9% |
| Participation rate | 44.4% | 86.2%-41.8pp | 87.0%-42.6pp | 67.9%-23.6pp |
| Annual return | 13.86% | 20.36%-6.5pp | 53.39%-39.5pp | 28.85%-15.0pp |
| Employer contribution / active EE | $0 | $4,385-100.0% | $6,786-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $2,266 | $6,928-67.3% | $10,408-78.2% | $4,290-47.2% |
| Admin fee / account holder | $4,137 | $966+328.2% | $12,816-67.7% | $1,587+160.6% |