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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 | $23,541 | $67,411-65.1% | $91,004-74.1% | $70,126-66.4% |
| Participation rate | 42.6% | 71.4%-28.7pp | 75.6%-33.0pp | 69.5%-26.9pp |
| Annual return | 19.08% | -40.16%+59.2pp | 4.60%+14.5pp | 73.15%-54.1pp |
| Employer contribution / active EE | $1,057 | $1,786-40.8% | $2,456-56.9% | $2,343-54.9% |
| Participant deferral / active EE | $3,006 | $2,823+6.5% | $3,548-15.3% | $3,332-9.8% |
| Admin fee / account holder | $2,674 | $4,236-36.9% | $5,417-50.6% | $4,645-42.4% |