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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.)
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 | $22,532 | $106,749-78.9% | $145,433-84.5% | $82,448-72.7% |
| Participation rate | 57.1% | 75.6%-18.5pp | 82.1%-25.0pp | 68.1%-10.9pp |
| Annual return | 17.11% | 27.59%-10.5pp | 66.58%-49.5pp | 41.64%-24.5pp |
| Employer contribution / active EE | $364 | $3,444-89.4% | $4,554-92.0% | $2,551-85.7% |
| Participant deferral / active EE | $4,179 | $6,519-35.9% | $7,897-47.1% | $4,139+1.0% |
| Admin fee / account holder | $2,919 | $8,390-65.2% | $13,129-77.8% | $7,234-59.7% |