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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,195 | $29,507-75.6% | $56,025-87.2% | $77,762-90.7% |
| Participation rate | 41.5% | 32.7%+8.7pp | 52.5%-11.0pp | 70.6%-29.1pp |
| Annual return | 9.42% | 18.90%-9.5pp | 1712.69%-1703.3pp | 31.27%-21.9pp |
| Employer contribution / active EE | $1 | $570-99.8% | $1,042-99.9% | $2,728-100.0% |
| Participant deferral / active EE | $828 | $1,062-22.0% | $1,955-57.6% | $4,651-82.2% |
| Admin fee / account holder | $1,664 | $1,041+59.9% | $2,828-41.2% | $433+284.3% |