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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 | $12,967 | $79,189-83.6% | $102,457-87.3% | $74,400-82.6% |
| Participation rate | 44.0% | 74.8%-30.8pp | 76.5%-32.5pp | 67.2%-23.2pp |
| Annual return | 10.74% | 54.98%-44.2pp | 29.41%-18.7pp | 1367.51%-1356.8pp |
| Employer contribution / active EE | $988 | $2,362-58.2% | $3,022-67.3% | $2,624-62.4% |
| Participant deferral / active EE | $1,357 | $4,415-69.3% | $5,054-73.2% | $4,348-68.8% |
| Admin fee / account holder | $1,093 | $2,002-45.4% | $9,451-88.4% | $1,944-43.8% |