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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 | $8,739 | $65,034-86.6% | $90,970-90.4% | $79,856-89.1% |
| Participation rate | 68.0% | 61.6%+6.4pp | 69.0%-1.0pp | 69.6%-1.6pp |
| Annual return | 36.78% | 30.45%+6.3pp | 134.60%-97.8pp | 31.71%+5.1pp |
| Employer contribution / active EE | $1,311 | $1,247+5.1% | $2,122-38.2% | $2,471-47.0% |
| Participant deferral / active EE | $2,975 | $2,512+18.4% | $3,373-11.8% | $3,741-20.5% |
| Admin fee / account holder | $495 | $4,536-89.1% | $5,961-91.7% | $5,306-90.7% |