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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 | $21,085 | $98,760-78.7% | $149,715-85.9% | $79,858-73.6% |
| Participation rate | 49.3% | 75.8%-26.5pp | 82.5%-33.2pp | 69.6%-20.4pp |
| Annual return | 31.72% | 27.43%+4.3pp | 276.66%-244.9pp | 31.72%0pp |
| Employer contribution / active EE | $3,087 | $3,217-4.0% | $4,645-33.5% | $2,471+24.9% |
| Participant deferral / active EE | $3,055 | $5,681-46.2% | $6,842-55.3% | $3,740-18.3% |
| Admin fee / account holder | $947 | $6,053-84.4% | $9,310-89.8% | $5,306-82.2% |