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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.)
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 | $16,142 | $81,446-80.2% | $103,374-84.4% | $80,874-80.0% |
| Participation rate | 46.7% | 66.9%-20.2pp | 74.5%-27.8pp | 67.6%-21.0pp |
| Annual return | 14.18% | 25.57%-11.4pp | 24.89%-10.7pp | 35.62%-21.4pp |
| Employer contribution / active EE | $1,036 | $3,107-66.7% | $3,869-73.2% | $2,756-62.4% |
| Participant deferral / active EE | $1,897 | $3,870-51.0% | $5,058-62.5% | $4,297-55.8% |
| Admin fee / account holder | $1,006 | $6,715-85.0% | $8,394-88.0% | $6,935-85.5% |