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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 | $5,437 | $77,962-93.0% | $178,540-97.0% | $80,935-93.3% |
| Participation rate | 60.5% | 65.7%-5.1pp | 77.1%-16.6pp | 67.7%-7.1pp |
| Annual return | 12.42% | 18.10%-5.7pp | 27.15%-14.7pp | 35.66%-23.2pp |
| Employer contribution / active EE | $709 | $2,280-68.9% | $3,953-82.1% | $2,757-74.3% |
| Participant deferral / active EE | $988 | $4,404-77.6% | $6,281-84.3% | $4,299-77.0% |
| Admin fee / account holder | $1,005 | $7,156-86.0% | $10,424-90.4% | $6,924-85.5% |