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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 | $30,283 | $100,060-69.7% | $149,721-79.8% | $70,126-56.8% |
| Participation rate | 59.0% | 83.6%-24.5pp | 87.1%-28.0pp | 69.5%-10.5pp |
| Annual return | 18.43% | 27.46%-9.0pp | 1501.67%-1483.2pp | 73.15%-54.7pp |
| Employer contribution / active EE | $1,476 | $3,661-59.7% | $5,444-72.9% | $2,343-37.0% |
| Participant deferral / active EE | $3,305 | $4,982-33.7% | $6,568-49.7% | $3,332-0.8% |
| Admin fee / account holder | $4,269 | $8,285-48.5% | $11,282-62.2% | $4,645-8.1% |