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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 | $15,982 | $77,472-79.4% | $100,392-84.1% | $80,935-80.3% |
| Participation rate | 63.0% | 76.9%-13.9pp | 81.5%-18.5pp | 67.7%-4.6pp |
| Annual return | 21.25% | 37.26%-16.0pp | 49.45%-28.2pp | 35.66%-14.4pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,670 | $6,818-46.2% | $8,090-54.6% | $4,299-14.6% |
| Admin fee / account holder | $1,410 | $5,885-76.0% | $7,904-82.2% | $6,924-79.6% |