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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 | $17,104 | $76,551-77.7% | $123,894-86.2% | $62,881-72.8% |
| Participation rate | 30.0% | 73.0%-43.0pp | 81.4%-51.4pp | 69.3%-39.3pp |
| Annual return | 21.58% | 18.68%+2.9pp | 47.52%-25.9pp | 20.14%+1.4pp |
| Employer contribution / active EE | $849 | $2,882-70.5% | $4,617-81.6% | $2,281-62.8% |
| Participant deferral / active EE | $3,124 | $4,840-35.4% | $5,984-47.8% | $3,203-2.5% |
| Admin fee / account holder | $5,790 | $4,826+20.0% | $8,357-30.7% | $4,296+34.8% |