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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 | $14,047 | $101,672-86.2% | $147,117-90.5% | $74,478-81.1% |
| Participation rate | 44.9% | 75.5%-30.7pp | 82.2%-37.3pp | 67.2%-22.4pp |
| Annual return | 8.75% | 8757.83%-8749.1pp | 420.54%-411.8pp | 1370.56%-1361.8pp |
| Employer contribution / active EE | $1,166 | $3,813-69.4% | $4,932-76.4% | $2,626-55.6% |
| Participant deferral / active EE | $1,856 | $7,305-74.6% | $8,065-77.0% | $4,350-57.3% |
| Admin fee / account holder | $1,060 | $1,753-39.6% | $12,993-91.8% | $1,946-45.5% |