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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 | $24,785 | $80,985-69.4% | $96,576-74.3% | $75,181-67.0% |
| Participation rate | 39.3% | 71.8%-32.5pp | 76.0%-36.7pp | 67.2%-27.9pp |
| Annual return | 14.35% | 27.05%-12.7pp | 25.87%-11.5pp | 160.69%-146.3pp |
| Employer contribution / active EE | $854 | $2,282-62.6% | $2,965-71.2% | $2,671-68.0% |
| Participant deferral / active EE | $1,385 | $3,929-64.7% | $4,851-71.4% | $4,126-66.4% |
| Admin fee / account holder | $737 | $6,719-89.0% | $8,253-91.1% | $5,650-87.0% |