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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 | $13,185 | $85,766-84.6% | $136,298-90.3% | $70,126-81.2% |
| Participation rate | 25.6% | 74.2%-48.5pp | 81.9%-56.3pp | 69.5%-43.9pp |
| Annual return | 27.00% | 31.46%-4.5pp | 5156.27%-5129.3pp | 73.15%-46.1pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,562 | $5,051-49.3% | $6,247-59.0% | $3,332-23.1% |
| Admin fee / account holder | $1,236 | $5,421-77.2% | $9,244-86.6% | $4,645-73.4% |