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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 | $24,899 | $86,940-71.4% | $102,434-75.7% | $80,935-69.2% |
| Participation rate | 53.6% | 72.4%-18.8pp | 76.5%-22.9pp | 67.7%-14.0pp |
| Annual return | 11.20% | 18.89%-7.7pp | 29.46%-18.3pp | 35.66%-24.5pp |
| Employer contribution / active EE | $602 | $2,370-74.6% | $3,023-80.1% | $2,757-78.2% |
| Participant deferral / active EE | $2,157 | $4,121-47.7% | $5,055-57.3% | $4,299-49.8% |
| Admin fee / account holder | $942 | $8,047-88.3% | $9,462-90.0% | $6,924-86.4% |