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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 | $25,659 | $209,422-87.7% | $178,503-85.6% | $158,982-83.9% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | -7.90% | 188.81%-196.7pp | 151.12%-159.0pp | 302.99%-310.9pp |
| Employer contribution / active EE | $2,766 | $5,707-51.5% | $5,011-44.8% | $4,763-41.9% |
| Participant deferral / active EE | $4,996 | $5,955-16.1% | $5,202-4.0% | $5,983-16.5% |
| Admin fee / account holder | $3,896 | $17,079-77.2% | $13,987-72.1% | $11,252-65.4% |