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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 | $27,934 | $85,515-67.3% | $112,040-75.1% | $67,986-58.9% |
| Participation rate | 51.0% | 68.2%-17.3pp | 76.5%-25.5pp | 57.2%-6.2pp |
| Annual return | 17.46% | 29.68%-12.2pp | 24.52%-7.1pp | 31.67%-14.2pp |
| Employer contribution / active EE | $898 | $2,191-59.0% | $2,954-69.6% | $2,019-55.5% |
| Participant deferral / active EE | $2,025 | $4,014-49.6% | $5,098-60.3% | $3,358-39.7% |
| Admin fee / account holder | $662 | $3,774-82.4% | $12,098-94.5% | $3,203-79.3% |