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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 | $11,976 | $65,361-81.7% | $92,903-87.1% | $72,983-83.6% |
| Participation rate | 69.2% | 68.3%+0.9pp | 76.0%-6.8pp | 69.5%-0.3pp |
| Annual return | 41.92% | 42.11%-0.2pp | 109.43%-67.5pp | 81.01%-39.1pp |
| Employer contribution / active EE | $3,428 | $2,594+32.1% | $3,653-6.2% | $2,440+40.5% |
| Participant deferral / active EE | $1,811 | $3,128-42.1% | $4,238-57.3% | $3,608-49.8% |
| Admin fee / account holder | $2,382 | $4,251-44.0% | $5,795-58.9% | $5,124-53.5% |