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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 | $18,963 | $93,346-79.7% | $71,796-73.6% | $273,972-93.1% |
| Participation rate | 30.0% | 76.5%-46.5pp | 69.1%-39.1pp | 83.0%-53.0pp |
| Annual return | 8.79% | 130.39%-121.6pp | 78.04%-69.2pp | 41.46%-32.7pp |
| Employer contribution / active EE | $1,144 | $2,733-58.1% | $1,924-40.5% | $4,869-76.5% |
| Participant deferral / active EE | $1,814 | $3,475-47.8% | $2,794-35.1% | $5,287-65.7% |
| Admin fee / account holder | $508 | $6,571-92.3% | $4,815-89.5% | $10,133-95.0% |