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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 | $6,886 | $64,324-89.3% | $118,946-94.2% | $79,852-91.4% |
| Participation rate | 60.0% | 64.9%-4.9pp | 75.4%-15.4pp | 69.6%-9.6pp |
| Annual return | 27.59% | 86.45%-58.9pp | 35.89%-8.3pp | 31.72%-4.1pp |
| Employer contribution / active EE | $782 | $1,836-57.4% | $3,263-76.0% | $2,471-68.3% |
| Participant deferral / active EE | $1,378 | $2,824-51.2% | $4,266-67.7% | $3,740-63.1% |
| Admin fee / account holder | $508 | $4,040-87.4% | $6,581-92.3% | $5,306-90.4% |