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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 | $12,989 | $56,197-76.9% | $67,652-80.8% | $59,633-78.2% |
| Participation rate | 55.2% | 71.5%-16.3pp | 75.7%-20.5pp | 68.7%-13.5pp |
| Annual return | 0.26% | 18508.10%-18507.8pp | 6625.40%-6625.1pp | 2041.45%-2041.2pp |
| Employer contribution / active EE | $951 | $1,615-41.1% | $2,266-58.0% | $2,203-56.8% |
| Participant deferral / active EE | $1,860 | $2,844-34.6% | $3,560-47.7% | $3,192-41.7% |
| Admin fee / account holder | $5,191 | $3,958+31.2% | $4,821+7.7% | $4,297+20.8% |