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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $9,210 | $55,470-83.4% | $155,556-94.1% | $74,478-87.6% |
| Participation rate | 17.1% | 61.9%-44.8pp | 78.2%-61.2pp | 67.2%-50.2pp |
| Annual return | 10.49% | 269.80%-259.3pp | 64.84%-54.3pp | 1370.56%-1360.1pp |
| Employer contribution / active EE | $0 | $2,267-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $525 | $2,838-81.5% | $5,631-90.7% | $4,350-87.9% |
| Admin fee / account holder | $770 | $1,744-55.9% | $15,885-95.2% | $1,946-60.4% |