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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 | $10,407 | $60,128-82.7% | $90,440-88.5% | $79,852-87.0% |
| Participation rate | 53.2% | 65.0%-11.8pp | 72.7%-19.5pp | 69.6%-16.4pp |
| Annual return | 9.65% | 71.95%-62.3pp | 1294.38%-1284.7pp | 31.72%-22.1pp |
| Employer contribution / active EE | $944 | $2,068-54.4% | $3,263-71.1% | $2,471-61.8% |
| Participant deferral / active EE | $1,532 | $2,939-47.9% | $3,964-61.4% | $3,740-59.0% |
| Admin fee / account holder | $1,497 | $3,977-62.4% | $5,615-73.3% | $5,306-71.8% |