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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $26,724 | $78,707-66.0% | $117,861-77.3% | $70,126-61.9% |
| Participation rate | 33.9% | 73.2%-39.3pp | 79.7%-45.8pp | 69.5%-35.6pp |
| Annual return | 19.02% | 23.30%-4.3pp | 335.11%-316.1pp | 73.15%-54.1pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,814 | $3,297-45.0% | $4,482-59.5% | $3,332-45.6% |
| Admin fee / account holder | $585 | $5,066-88.4% | $8,021-92.7% | $4,645-87.4% |