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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 | $3,452 | $78,690-95.6% | $161,489-97.9% | $87,485-96.1% |
| Participation rate | 68.6% | 67.5%+1.1pp | 78.7%-10.1pp | 68.9%-0.4pp |
| Annual return | 14.49% | 32.74%-18.3pp | 89.72%-75.2pp | 26.06%-11.6pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $261 | $3,311-92.1% | $5,630-95.4% | $4,274-93.9% |
| Admin fee / account holder | $394 | $6,724-94.1% | $16,006-97.5% | $7,775-94.9% |