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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 | $10,640 | $53,199-80.0% | $155,567-93.2% | $199,768-94.7% |
| Participation rate | 7.2% | 64.1%-56.9pp | 78.2%-71.0pp | 72.0%-64.8pp |
| Annual return | 21.93% | 41.17%-19.2pp | 64.74%-42.8pp | 34.26%-12.3pp |
| Employer contribution / active EE | $0 | $1,852-100.0% | $4,674-100.0% | $3,037-100.0% |
| Participant deferral / active EE | $269 | $3,163-91.5% | $5,628-95.2% | $5,090-94.7% |
| Admin fee / account holder | $3,721 | $186+1906.0% | $15,916-76.6% | $269+1283.4% |