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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 | $13,956 | $50,958-72.6% | $74,552-81.3% | $64,181-78.3% |
| Participation rate | 38.1% | 61.1%-23.0pp | 69.1%-31.0pp | 69.6%-31.5pp |
| Annual return | 0.24% | -1.86%+2.1pp | 32.53%-32.3pp | 7.63%-7.4pp |
| Employer contribution / active EE | $918 | $1,115-17.6% | $1,961-53.2% | $2,381-61.4% |
| Participant deferral / active EE | $1,592 | $2,301-30.8% | $3,108-48.8% | $3,470-54.1% |
| Admin fee / account holder | $1,196 | $4,223-71.7% | $5,060-76.4% | $4,887-75.5% |