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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 | $12,845 | $90,674-85.8% | $96,707-86.7% | $82,448-84.4% |
| Participation rate | 8.3% | 75.9%-67.6pp | 80.4%-72.0pp | 68.1%-59.7pp |
| Annual return | 10.44% | 49.05%-38.6pp | 34.78%-24.3pp | 41.64%-31.2pp |
| Employer contribution / active EE | $0 | $3,975-100.0% | $4,191-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $29 | $5,696-99.5% | $5,997-99.5% | $4,139-99.3% |
| Admin fee / account holder | $592 | $7,568-92.2% | $7,503-92.1% | $7,234-91.8% |