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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 | $18,405 | $98,766-81.4% | $149,730-87.7% | $79,852-77.0% |
| Participation rate | 40.0% | 75.8%-35.8pp | 82.5%-42.5pp | 69.6%-29.6pp |
| Annual return | 20.18% | 27.43%-7.2pp | 276.70%-256.5pp | 31.72%-11.5pp |
| Employer contribution / active EE | $357 | $3,217-88.9% | $4,645-92.3% | $2,471-85.5% |
| Participant deferral / active EE | $2,574 | $5,681-54.7% | $6,843-62.4% | $3,740-31.2% |
| Admin fee / account holder | $415 | $6,052-93.1% | $9,310-95.5% | $5,306-92.2% |