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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 | $3,177 | $81,487-96.1% | $102,412-96.9% | $80,935-96.1% |
| Participation rate | 67.5% | 66.8%+0.7pp | 74.5%-7.0pp | 67.7%-0.2pp |
| Annual return | 3.07% | 25.60%-22.5pp | 24.94%-21.9pp | 35.66%-32.6pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,585 | $3,871-59.0% | $5,060-68.7% | $4,299-63.1% |
| Admin fee / account holder | $734 | $6,717-89.1% | $8,388-91.3% | $6,924-89.4% |