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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 | $4,080 | $174,379-97.7% | $152,093-97.3% | $138,895-97.1% |
| Participation rate | 66.7% | 81.6%-15.0pp | 77.8%-11.1pp | 79.9%-13.3pp |
| Annual return | 9.82% | 74.86%-65.0pp | 66.36%-56.5pp | 145.39%-135.6pp |
| Employer contribution / active EE | $1,382 | $4,652-70.3% | $4,175-66.9% | $4,194-67.1% |
| Participant deferral / active EE | $1,436 | $6,159-76.7% | $5,451-73.7% | $6,396-77.5% |
| Admin fee / account holder | $1,673 | $16,880-90.1% | $14,497-88.5% | $12,562-86.7% |