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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 | $22,037 | $79,223-72.2% | $102,460-78.5% | $74,478-70.4% |
| Participation rate | 34.0% | 74.8%-40.8pp | 76.5%-42.6pp | 67.2%-33.3pp |
| Annual return | 18.36% | 54.98%-36.6pp | 29.47%-11.1pp | 1370.56%-1352.2pp |
| Employer contribution / active EE | $991 | $2,363-58.1% | $3,025-67.2% | $2,626-62.3% |
| Participant deferral / active EE | $1,787 | $4,417-59.6% | $5,056-64.7% | $4,350-58.9% |
| Admin fee / account holder | $1,450 | $2,003-27.6% | $9,460-84.7% | $1,946-25.5% |