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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 | $11,242 | $77,638-85.5% | $156,551-92.8% | $62,881-82.1% |
| Participation rate | 32.7% | 71.2%-38.5pp | 84.0%-51.3pp | 69.3%-36.6pp |
| Annual return | 6.43% | 50.33%-43.9pp | 32.23%-25.8pp | 20.14%-13.7pp |
| Employer contribution / active EE | $907 | $3,444-73.7% | $5,501-83.5% | $2,281-60.2% |
| Participant deferral / active EE | $1,308 | $3,046-57.0% | $4,871-73.1% | $3,203-59.1% |
| Admin fee / account holder | $551 | $5,561-90.1% | $13,028-95.8% | $4,296-87.2% |