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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 | $9,249 | $158,852-94.2% | $121,220-92.4% | $135,379-93.2% |
| Participation rate | 45.8% | 79.3%-33.5pp | 71.8%-25.9pp | 82.6%-36.8pp |
| Annual return | -3.39% | -0.64%-2.8pp | 16.94%-20.3pp | 519.79%-523.2pp |
| Employer contribution / active EE | $0 | $5,666-100.0% | $4,023-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,269 | $4,006-43.3% | $3,345-32.2% | $5,609-59.5% |
| Admin fee / account holder | $481 | $6,515-92.6% | $5,021-90.4% | $10,828-95.6% |