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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 | $9,454 | $66,402-85.8% | $109,895-91.4% | $85,856-89.0% |
| Participation rate | 57.1% | 63.9%-6.7pp | 74.2%-17.1pp | 69.3%-12.2pp |
| Annual return | 16.07% | 19.59%-3.5pp | 29.46%-13.4pp | 318.58%-302.5pp |
| Employer contribution / active EE | $715 | $1,687-57.6% | $2,843-74.8% | $2,565-72.1% |
| Participant deferral / active EE | $1,668 | $2,842-41.3% | $4,049-58.8% | $3,952-57.8% |
| Admin fee / account holder | $844 | $4,557-81.5% | $6,067-86.1% | $6,261-86.5% |