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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 | $7,876 | $64,920-87.9% | $103,693-92.4% | $86,983-90.9% |
| Participation rate | 35.4% | 63.6%-28.2pp | 72.6%-37.3pp | 69.5%-34.2pp |
| Annual return | 32.36% | 30.29%+2.1pp | 47.61%-15.2pp | 25.83%+6.5pp |
| Employer contribution / active EE | $0 | $2,141-100.0% | $2,920-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,566 | $3,241-51.7% | $4,579-65.8% | $4,194-62.7% |
| Admin fee / account holder | $663 | $6,191-89.3% | $7,858-91.6% | $7,856-91.6% |