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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 | $21,019 | $96,289-78.2% | $213,469-90.2% | $87,485-76.0% |
| Participation rate | 60.7% | 69.6%-8.9pp | 77.1%-16.5pp | 68.9%-8.3pp |
| Annual return | 20.33% | 17.78%+2.5pp | 20.58%-0.3pp | 26.06%-5.7pp |
| Employer contribution / active EE | $1,100 | $3,035-63.8% | $4,994-78.0% | $2,596-57.6% |
| Participant deferral / active EE | $2,539 | $4,750-46.6% | $6,841-62.9% | $4,274-40.6% |
| Admin fee / account holder | $666 | $9,670-93.1% | $27,141-97.5% | $7,775-91.4% |