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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 | $15,324 | $45,566-66.4% | $64,105-76.1% | $59,633-74.3% |
| Participation rate | 62.1% | 60.2%+1.9pp | 68.2%-6.1pp | 68.7%-6.6pp |
| Annual return | -0.37% | 4.95%-5.3pp | 791.24%-791.6pp | 2041.40%-2041.8pp |
| Employer contribution / active EE | $1,772 | $934+89.7% | $1,820-2.6% | $2,203-19.5% |
| Participant deferral / active EE | $4,040 | $2,057+96.5% | $2,822+43.2% | $3,192+26.6% |
| Admin fee / account holder | $1,489 | $3,268-54.4% | $4,499-66.9% | $4,297-65.3% |