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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 | $17,385 | $62,672-72.3% | $185,117-90.6% | $70,126-75.2% |
| Participation rate | 23.4% | 63.8%-40.4pp | 77.3%-53.9pp | 69.5%-46.2pp |
| Annual return | 7.30% | 40.79%-33.5pp | 40.50%-33.2pp | 73.15%-65.8pp |
| Employer contribution / active EE | $604 | $1,753-65.6% | $4,182-85.6% | $2,343-74.2% |
| Participant deferral / active EE | $1,137 | $3,272-65.2% | $5,045-77.5% | $3,332-65.9% |
| Admin fee / account holder | $1,850 | $3,932-52.9% | $8,159-77.3% | $4,645-60.2% |