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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 | $10,386 | $86,940-88.1% | $102,434-89.9% | $80,935-87.2% |
| Participation rate | 14.8% | 72.4%-57.6pp | 76.5%-61.7pp | 67.7%-52.8pp |
| Annual return | 8.98% | 18.89%-9.9pp | 29.46%-20.5pp | 35.66%-26.7pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $514 | $4,121-87.5% | $5,055-89.8% | $4,299-88.1% |
| Admin fee / account holder | $1,177 | $8,047-85.4% | $9,462-87.6% | $6,924-83.0% |