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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 | $4,445 | $73,848-94.0% | $143,799-96.9% | $68,486-93.5% |
| Participation rate | 37.2% | 66.7%-29.5pp | 80.3%-43.1pp | 67.9%-30.7pp |
| Annual return | 142.30% | 0.91%+141.4pp | -0.04%+142.3pp | -7.85%+150.2pp |
| Employer contribution / active EE | $966 | $3,184-69.7% | $4,952-80.5% | $2,597-62.8% |
| Participant deferral / active EE | $0 | $3,385-100.0% | $5,638-100.0% | $4,028-100.0% |
| Admin fee / account holder | $2,245 | $5,755-61.0% | $14,677-84.7% | $5,404-58.5% |