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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 | $7,161 | $102,422-93.0% | $147,117-95.1% | $80,959-91.2% |
| Participation rate | 32.1% | 75.9%-43.8pp | 82.2%-50.1pp | 67.7%-35.6pp |
| Annual return | -6.28% | 135.16%-141.4pp | 420.54%-426.8pp | 35.67%-42.0pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,226 | $6,652-66.5% | $8,065-72.4% | $4,300-48.2% |
| Admin fee / account holder | $2,408 | $7,953-69.7% | $12,993-81.5% | $6,925-65.2% |