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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 | $4,487 | $101,063-95.6% | $81,473-94.5% | $147,586-97.0% |
| Participation rate | 15.8% | 74.5%-58.7pp | 68.0%-52.2pp | 82.8%-67.0pp |
| Annual return | 11.54% | 32.41%-20.9pp | 38.78%-27.2pp | 578.59%-567.1pp |
| Employer contribution / active EE | $0 | $3,206-100.0% | $2,568-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $234 | $4,242-94.5% | $3,537-93.4% | $5,439-95.7% |
| Admin fee / account holder | $843 | $5,812-85.5% | $4,561-81.5% | $10,886-92.3% |