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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 | $780 | $45,343-98.3% | $150,298-99.5% | $67,986-98.9% |
| Participation rate | 51.6% | 51.9%-0.2pp | 77.8%-26.1pp | 57.2%-5.6pp |
| Annual return | 12.40% | 33.28%-20.9pp | 62.79%-50.4pp | 31.67%-19.3pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $294 | $2,055-85.7% | $5,453-94.6% | $3,358-91.2% |
| Admin fee / account holder | $497 | $2,250-77.9% | $14,116-96.5% | $3,203-84.5% |