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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 | $2,032 | $108,882-98.1% | $96,754-97.9% | $154,746-98.7% |
| Participation rate | 34.8% | 75.1%-40.3pp | 70.3%-35.5pp | 80.7%-45.9pp |
| Annual return | 15.54% | 98.39%-82.9pp | 82.04%-66.5pp | 172.34%-156.8pp |
| Employer contribution / active EE | $0 | $3,018-100.0% | $2,679-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $472 | $5,323-91.1% | $4,758-90.1% | $6,730-93.0% |
| Admin fee / account holder | $483 | $10,200-95.3% | $8,905-94.6% | $14,365-96.6% |