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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 | $19,463 | $72,269-73.1% | $101,271-80.8% | $79,852-75.6% |
| Participation rate | 62.1% | 68.5%-6.4pp | 75.8%-13.7pp | 69.6%-7.6pp |
| Annual return | 16.81% | 22.29%-5.5pp | 46.48%-29.7pp | 31.72%-14.9pp |
| Employer contribution / active EE | $1,252 | $2,692-53.5% | $3,660-65.8% | $2,471-49.4% |
| Participant deferral / active EE | $1,905 | $3,282-41.9% | $4,371-56.4% | $3,740-49.1% |
| Admin fee / account holder | $384 | $4,401-91.3% | $5,948-93.5% | $5,306-92.8% |