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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 | $31,446 | $94,436-66.7% | $115,599-72.8% | $82,637-61.9% |
| Participation rate | 52.3% | 70.4%-18.1pp | 74.3%-22.0pp | 68.1%-15.7pp |
| Annual return | 17.16% | 18.37%-1.2pp | 111.10%-93.9pp | 53.51%-36.4pp |
| Employer contribution / active EE | $1,758 | $2,324-24.4% | $2,955-40.5% | $2,552-31.1% |
| Participant deferral / active EE | $3,716 | $3,955-6.0% | $4,889-24.0% | $4,126-9.9% |
| Admin fee / account holder | $1,225 | $10,328-88.1% | $12,841-90.5% | $7,339-83.3% |