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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 | $9,879 | $73,988-86.6% | $96,538-89.8% | $75,177-86.9% |
| Participation rate | 17.8% | 66.4%-48.6pp | 74.3%-56.5pp | 67.2%-49.4pp |
| Annual return | 16.33% | 26.73%-10.4pp | 35.74%-19.4pp | 160.75%-144.4pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $285 | $3,660-92.2% | $4,880-94.2% | $4,126-93.1% |
| Admin fee / account holder | $1,112 | $5,220-78.7% | $6,737-83.5% | $5,651-80.3% |