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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 | $19,178 | $100,194-80.9% | $122,979-84.4% | $86,983-78.0% |
| Participation rate | 39.2% | 73.0%-33.8pp | 77.2%-38.0pp | 69.5%-30.4pp |
| Annual return | 6.58% | 16.47%-9.9pp | 20.12%-13.5pp | 25.83%-19.3pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,433 | $4,133-16.9% | $5,003-31.4% | $4,194-18.1% |
| Admin fee / account holder | $10,866 | $10,148+7.1% | $12,864-15.5% | $7,856+38.3% |