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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 | $22,353 | $78,423-71.5% | $95,964-76.7% | $79,856-72.0% |
| Participation rate | 34.6% | 73.5%-38.9pp | 77.1%-42.5pp | 69.6%-35.0pp |
| Annual return | 12.96% | 19.37%-6.4pp | 91.64%-78.7pp | 31.71%-18.8pp |
| Employer contribution / active EE | $644 | $1,945-66.9% | $2,541-74.6% | $2,471-73.9% |
| Participant deferral / active EE | $820 | $3,440-76.2% | $4,167-80.3% | $3,741-78.1% |
| Admin fee / account holder | $4,378 | $5,622-22.1% | $6,797-35.6% | $5,306-17.5% |