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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 | $27,595 | $95,453-71.1% | $112,040-75.4% | $82,448-66.5% |
| Participation rate | 37.2% | 72.8%-35.5pp | 76.5%-39.3pp | 68.1%-30.9pp |
| Annual return | 11.07% | 23.92%-12.8pp | 24.52%-13.4pp | 41.64%-30.6pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $858 | $4,224-79.7% | $5,098-83.2% | $4,139-79.3% |
| Admin fee / account holder | $1,369 | $9,013-84.8% | $12,098-88.7% | $7,234-81.1% |