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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 | $8,159 | $60,504-86.5% | $81,882-90.0% | $74,478-89.0% |
| Participation rate | 62.0% | 62.9%-0.9pp | 72.4%-10.4pp | 67.2%-5.2pp |
| Annual return | 9.77% | 16.91%-7.1pp | 779.47%-769.7pp | 1370.56%-1360.8pp |
| Employer contribution / active EE | $0 | $2,627-100.0% | $2,916-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,774 | $3,400-18.4% | $4,323-35.8% | $4,350-36.2% |
| Admin fee / account holder | $375 | $1,492-74.8% | $7,360-94.9% | $1,946-80.7% |