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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 | $14,838 | $76,371-80.6% | $93,621-84.2% | $72,976-79.7% |
| Participation rate | 36.8% | 71.8%-34.9pp | 75.8%-39.0pp | 69.5%-32.6pp |
| Annual return | 21.21% | 25.82%-4.6pp | 32.76%-11.5pp | 81.02%-59.8pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,684 | $3,538-52.4% | $4,070-58.6% | $3,608-53.3% |
| Admin fee / account holder | $3,330 | $6,839-51.3% | $7,890-57.8% | $5,124-35.0% |