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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 | $10,301 | $46,360-77.8% | $147,618-93.0% | $52,331-80.3% |
| Participation rate | 50.9% | 64.9%-14.1pp | 84.6%-33.8pp | 68.1%-17.2pp |
| Annual return | 12.53% | 1.62%+10.9pp | 61.98%-49.4pp | 4.54%+8.0pp |
| Employer contribution / active EE | $510 | $2,126-76.0% | $5,565-90.8% | $1,882-72.9% |
| Participant deferral / active EE | $1,504 | $2,258-33.4% | $4,895-69.3% | $3,022-50.2% |
| Admin fee / account holder | $1,400 | $766+82.8% | $11,612-87.9% | $592+136.6% |