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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 | $17,047 | $79,867-78.7% | $120,344-85.8% | $64,340-73.5% |
| Participation rate | 16.8% | 63.0%-46.1pp | 76.7%-59.9pp | 55.2%-38.4pp |
| Annual return | 16.77% | 21.10%-4.3pp | 20.30%-3.5pp | 24.14%-7.4pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $749 | $3,593-79.2% | $5,135-85.4% | $2,980-74.9% |
| Admin fee / account holder | $2,934 | $5,039-41.8% | $12,742-77.0% | $3,703-20.7% |