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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 | $27,000 | $86,949-68.9% | $102,460-73.6% | $80,959-66.6% |
| Participation rate | 40.0% | 72.4%-32.4pp | 76.5%-36.5pp | 67.7%-27.7pp |
| Annual return | 11.99% | 18.89%-6.9pp | 29.47%-17.5pp | 35.67%-23.7pp |
| Employer contribution / active EE | $991 | $2,370-58.2% | $3,025-67.2% | $2,757-64.1% |
| Participant deferral / active EE | $1,667 | $4,121-59.6% | $5,056-67.0% | $4,300-61.2% |
| Admin fee / account holder | $1,516 | $8,048-81.2% | $9,460-84.0% | $6,925-78.1% |