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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 | $8,417 | $52,279-83.9% | $89,435-90.6% | $79,856-89.5% |
| Participation rate | 66.7% | 57.5%+9.1pp | 68.0%-1.3pp | 69.6%-3.0pp |
| Annual return | 11.66% | 22.16%-10.5pp | 245.55%-233.9pp | 31.71%-20.0pp |
| Employer contribution / active EE | $689 | $1,572-56.1% | $2,587-73.4% | $2,471-72.1% |
| Participant deferral / active EE | $2,349 | $2,740-14.3% | $3,890-39.6% | $3,741-37.2% |
| Admin fee / account holder | $4,564 | $3,356+36.0% | $4,884-6.6% | $5,306-14.0% |