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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 | $15,856 | $72,177-78.0% | $115,038-86.2% | $59,633-73.4% |
| Participation rate | 48.6% | 72.6%-24.0pp | 81.4%-32.8pp | 68.7%-20.1pp |
| Annual return | -0.29% | 12.02%-12.3pp | 26.14%-26.4pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,494 | $4,783+14.9% | $6,026-8.8% | $3,192+72.1% |
| Admin fee / account holder | $2,961 | $4,927-39.9% | $8,175-63.8% | $4,297-31.1% |