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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 | $11,213 | $46,689-76.0% | $117,498-90.5% | $68,495-83.6% |
| Participation rate | 60.7% | 56.8%+3.9pp | 70.6%-9.9pp | 67.9%-7.2pp |
| Annual return | -20.00% | -14.52%-5.5pp | 29.75%-49.8pp | -7.84%-12.2pp |
| Employer contribution / active EE | $1,284 | $1,505-14.7% | $4,178-69.3% | $2,596-50.6% |
| Participant deferral / active EE | $2,146 | $2,637-18.6% | $4,071-47.3% | $4,028-46.7% |
| Admin fee / account holder | $644 | $4,021-84.0% | $5,646-88.6% | $5,403-88.1% |