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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 | $15,241 | $58,851-74.1% | $115,167-86.8% | $72,976-79.1% |
| Participation rate | 38.7% | 65.5%-26.8pp | 75.9%-37.2pp | 69.5%-30.8pp |
| Annual return | 22.13% | 23.16%-1.0pp | 35.60%-13.5pp | 81.02%-58.9pp |
| Employer contribution / active EE | $907 | $1,798-49.6% | $3,179-71.5% | $2,440-62.8% |
| Participant deferral / active EE | $1,039 | $2,643-60.7% | $4,169-75.1% | $3,608-71.2% |
| Admin fee / account holder | $1,773 | $6,370-72.2% | $7,089-75.0% | $5,124-65.4% |