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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 | $30,384 | $101,591-70.1% | $147,096-79.3% | $74,429-59.2% |
| Participation rate | 34.5% | 75.5%-41.1pp | 82.2%-47.7pp | 67.2%-32.7pp |
| Annual return | 22.40% | 8746.45%-8724.1pp | 419.75%-397.3pp | 1368.38%-1346.0pp |
| Employer contribution / active EE | $2,954 | $3,813-22.5% | $4,936-40.2% | $2,625+12.5% |
| Participant deferral / active EE | $1,941 | $7,302-73.4% | $8,071-76.0% | $4,348-55.4% |
| Admin fee / account holder | $479 | $1,750-72.6% | $13,005-96.3% | $1,944-75.4% |