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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 | $10,018 | $58,099-82.8% | $76,872-87.0% | $75,173-86.7% |
| Participation rate | 14.7% | 63.9%-49.2pp | 69.6%-54.9pp | 67.2%-52.5pp |
| Annual return | 9.07% | 26.71%-17.6pp | 37.90%-28.8pp | 160.72%-151.7pp |
| Employer contribution / active EE | $0 | $1,996-100.0% | $2,533-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,188 | $2,999-60.4% | $3,832-69.0% | $4,126-71.2% |
| Admin fee / account holder | $703 | $4,778-85.3% | $5,476-87.2% | $5,651-87.6% |