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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 | $11,650 | $61,214-81.0% | $83,327-86.0% | $56,289-79.3% |
| Participation rate | 50.0% | 72.6%-22.6pp | 77.8%-27.8pp | 69.9%-19.9pp |
| Annual return | 41.72% | 0.42%+41.3pp | 10.64%+31.1pp | -9.96%+51.7pp |
| Employer contribution / active EE | $572 | $1,925-70.3% | $3,379-83.1% | $2,111-72.9% |
| Participant deferral / active EE | $2,416 | $5,091-52.6% | $5,565-56.6% | $3,350-27.9% |
| Admin fee / account holder | $659 | $512+28.8% | $7,540-91.3% | $521+26.5% |