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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 | $10,679 | $72,269-85.2% | $101,271-89.5% | $79,852-86.6% |
| Participation rate | 54.7% | 68.5%-13.8pp | 75.8%-21.1pp | 69.6%-15.0pp |
| Annual return | 50.62% | 22.29%+28.3pp | 46.48%+4.1pp | 31.72%+18.9pp |
| Employer contribution / active EE | $1,754 | $2,692-34.8% | $3,660-52.1% | $2,471-29.0% |
| Participant deferral / active EE | $2,585 | $3,282-21.2% | $4,371-40.9% | $3,740-30.9% |
| Admin fee / account holder | $605 | $4,401-86.3% | $5,948-89.8% | $5,306-88.6% |