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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 | $4,665 | $81,233-94.3% | $155,567-97.0% | $80,874-94.2% |
| Participation rate | 19.4% | 66.2%-46.9pp | 78.2%-58.8pp | 67.6%-48.3pp |
| Annual return | 11.57% | 33.33%-21.8pp | 64.74%-53.2pp | 35.62%-24.0pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $640 | $3,452-81.5% | $5,628-88.6% | $4,297-85.1% |
| Admin fee / account holder | $921 | $7,998-88.5% | $15,916-94.2% | $6,935-86.7% |