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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 | $2,210 | $81,276-97.3% | $155,574-98.6% | $80,925-97.3% |
| Participation rate | 18.0% | 66.2%-48.2pp | 78.2%-60.2pp | 67.7%-49.7pp |
| Annual return | 9.22% | 33.36%-24.1pp | 64.87%-55.6pp | 35.65%-26.4pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $273 | $3,453-92.1% | $5,629-95.1% | $4,299-93.6% |
| Admin fee / account holder | $884 | $7,993-88.9% | $15,914-94.4% | $6,940-87.3% |