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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 | $12,244 | $117,846-89.6% | $102,434-88.0% | $145,884-91.6% |
| Participation rate | 4.3% | 78.6%-74.3pp | 76.5%-72.2pp | 80.3%-76.0pp |
| Annual return | 9.17% | 31.90%-22.7pp | 29.46%-20.3pp | 551.85%-542.7pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $197 | $5,733-96.6% | $5,055-96.1% | $6,690-97.0% |
| Admin fee / account holder | $3,269 | $13,356-75.5% | $9,462-65.5% | $13,392-75.6% |