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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 | $3,770 | $111,785-96.6% | $93,669-96.0% | $145,877-97.4% |
| Participation rate | 60.0% | 74.2%-14.2pp | 68.7%-8.7pp | 80.3%-20.3pp |
| Annual return | 14.66% | 203.79%-189.1pp | 133.59%-118.9pp | 551.28%-536.6pp |
| Employer contribution / active EE | $595 | $3,096-80.8% | $2,424-75.5% | $4,663-87.2% |
| Participant deferral / active EE | $747 | $4,919-84.8% | $4,416-83.1% | $6,691-88.8% |
| Admin fee / account holder | $1,341 | $10,256-86.9% | $8,291-83.8% | $13,402-90.0% |