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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 | $3,561 | $77,908-95.4% | $149,696-97.6% | $75,173-95.3% |
| Participation rate | 8.3% | 65.6%-57.2pp | 78.8%-70.4pp | 67.2%-58.9pp |
| Annual return | 17.57% | 31.73%-14.2pp | 134.46%-116.9pp | 160.72%-143.2pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $246 | $3,411-92.8% | $5,682-95.7% | $4,126-94.0% |
| Admin fee / account holder | $1,080 | $5,950-81.9% | $13,212-91.8% | $5,651-80.9% |