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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 | $4,937 | $192,829-97.4% | $142,516-96.5% | $139,466-96.5% |
| Participation rate | 50.0% | 81.4%-31.4pp | 76.8%-26.8pp | 80.3%-30.3pp |
| Annual return | 32.34% | 17.99%+14.4pp | 19.99%+12.3pp | 373.66%-341.3pp |
| Employer contribution / active EE | $0 | $5,808-100.0% | $4,849-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $1,860 | $7,200-74.2% | $6,280-70.4% | $6,712-72.3% |
| Admin fee / account holder | $396 | $15,120-97.4% | $10,008-96.0% | $11,409-96.5% |