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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 | $19,330 | $54,541-64.6% | $78,778-75.5% | $70,126-72.4% |
| Participation rate | 67.6% | 60.8%+6.8pp | 69.2%-1.6pp | 69.5%-2.0pp |
| Annual return | 12.87% | 21.07%-8.2pp | 35.62%-22.8pp | 73.15%-60.3pp |
| Employer contribution / active EE | $457 | $1,089-58.0% | $1,986-77.0% | $2,343-80.5% |
| Participant deferral / active EE | $2,700 | $2,210+22.2% | $2,958-8.7% | $3,332-19.0% |
| Admin fee / account holder | $641 | $3,709-82.7% | $5,134-87.5% | $4,645-86.2% |