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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 | $1,160 | $73,787-98.4% | $98,716-98.8% | $82,448-98.6% |
| Participation rate | 62.9% | 61.4%+1.4pp | 69.3%-6.4pp | 68.1%-5.2pp |
| Annual return | 22.62% | 18.57%+4.1pp | 31.81%-9.2pp | 41.64%-19.0pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $486 | $3,081-84.2% | $4,048-88.0% | $4,139-88.2% |
| Admin fee / account holder | $326 | $6,500-95.0% | $8,703-96.3% | $7,234-95.5% |