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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 | $10,547 | $102,422-89.7% | $147,117-92.8% | $80,959-87.0% |
| Participation rate | 7.0% | 75.9%-68.9pp | 82.2%-75.2pp | 67.7%-60.7pp |
| Annual return | 9.50% | 135.16%-125.7pp | 420.54%-411.0pp | 35.67%-26.2pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $721 | $6,652-89.2% | $8,065-91.1% | $4,300-83.2% |
| Admin fee / account holder | $5,109 | $7,953-35.8% | $12,993-60.7% | $6,925-26.2% |