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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 | $34,208 | $114,712-70.2% | $173,730-80.3% | $87,485-60.9% |
| Participation rate | 28.2% | 73.0%-44.8pp | 79.6%-51.4pp | 68.9%-40.8pp |
| Annual return | 18.39% | 20.18%-1.8pp | 19.96%-1.6pp | 26.06%-7.7pp |
| Employer contribution / active EE | $1,094 | $2,904-62.3% | $4,577-76.1% | $2,596-57.8% |
| Participant deferral / active EE | $1,625 | $4,642-65.0% | $6,326-74.3% | $4,274-62.0% |
| Admin fee / account holder | $2,528 | $10,210-75.2% | $17,523-85.6% | $7,775-67.5% |