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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 | $9,403 | $39,132-76.0% | $57,196-83.6% | $62,881-85.0% |
| Participation rate | 36.8% | 70.5%-33.7pp | 75.3%-38.6pp | 69.3%-32.5pp |
| Annual return | 8.47% | 9.24%-0.8pp | 14.59%-6.1pp | 20.14%-11.7pp |
| Employer contribution / active EE | $501 | $1,874-73.3% | $2,683-81.3% | $2,281-78.0% |
| Participant deferral / active EE | $1,415 | $2,374-40.4% | $3,096-54.3% | $3,203-55.8% |
| Admin fee / account holder | $2,527 | $2,594-2.6% | $3,141-19.6% | $4,296-41.2% |