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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 | $6,619 | $60,442-89.0% | $96,754-93.2% | $87,485-92.4% |
| Participation rate | 69.2% | 58.7%+10.5pp | 70.3%-1.0pp | 68.9%+0.3pp |
| Annual return | 17.58% | 21.97%-4.4pp | 82.04%-64.5pp | 26.06%-8.5pp |
| Employer contribution / active EE | $332 | $1,691-80.4% | $2,679-87.6% | $2,596-87.2% |
| Participant deferral / active EE | $1,094 | $3,280-66.7% | $4,758-77.0% | $4,274-74.4% |
| Admin fee / account holder | $424 | $5,069-91.6% | $8,905-95.2% | $7,775-94.5% |