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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 | $5,195 | $62,672-91.7% | $185,117-97.2% | $70,126-92.6% |
| Participation rate | 26.7% | 63.8%-37.1pp | 77.3%-50.6pp | 69.5%-42.9pp |
| Annual return | 18.96% | 40.79%-21.8pp | 40.50%-21.5pp | 73.15%-54.2pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $693 | $3,272-78.8% | $5,045-86.3% | $3,332-79.2% |
| Admin fee / account holder | $801 | $3,932-79.6% | $8,159-90.2% | $4,645-82.8% |