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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $14,906 | $78,027-80.9% | $178,528-91.7% | $80,925-81.6% |
| Participation rate | 53.8% | 65.7%-11.8pp | 77.1%-23.3pp | 67.7%-13.8pp |
| Annual return | 10.29% | 18.09%-7.8pp | 27.11%-16.8pp | 35.65%-25.4pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,864 | $4,408-57.7% | $6,278-70.3% | $4,299-56.6% |
| Admin fee / account holder | $2,451 | $7,168-65.8% | $10,419-76.5% | $6,940-64.7% |