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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 | $34,997 | $138,366-74.7% | $184,185-81.0% | $80,911-56.7% |
| Participation rate | 41.2% | 83.9%-42.7pp | 86.8%-45.7pp | 67.6%-26.5pp |
| Annual return | 11.80% | 20.02%-8.2pp | 28.81%-17.0pp | 35.63%-23.8pp |
| Employer contribution / active EE | $1,257 | $4,849-74.1% | $6,426-80.4% | $2,756-54.4% |
| Participant deferral / active EE | $4,574 | $7,074-35.3% | $9,132-49.9% | $4,297+6.4% |
| Admin fee / account holder | $1,612 | $10,484-84.6% | $13,909-88.4% | $6,935-76.8% |