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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 | $30,894 | $92,186-66.5% | $105,624-70.8% | $77,762-60.3% |
| Participation rate | 13.3% | 81.0%-67.8pp | 75.3%-62.0pp | 70.6%-57.3pp |
| Annual return | 14.88% | 17.83%-2.9pp | 116.20%-101.3pp | 31.27%-16.4pp |
| Employer contribution / active EE | $0 | $3,376-100.0% | $3,168-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $614 | $5,395-88.6% | $5,013-87.7% | $4,651-86.8% |
| Admin fee / account holder | $5,131 | $219+2242.6% | $10,961-53.2% | $433+1085.4% |