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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 | $18,996 | $81,504-76.7% | $102,437-81.5% | $80,959-76.5% |
| Participation rate | 53.6% | 66.9%-13.3pp | 74.5%-20.9pp | 67.7%-14.1pp |
| Annual return | 19.46% | 25.60%-6.1pp | 24.95%-5.5pp | 35.67%-16.2pp |
| Employer contribution / active EE | $1,887 | $3,104-39.2% | $3,871-51.2% | $2,757-31.5% |
| Participant deferral / active EE | $3,235 | $3,871-16.4% | $5,060-36.1% | $4,300-24.8% |
| Admin fee / account holder | $808 | $6,719-88.0% | $8,388-90.4% | $6,925-88.3% |