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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 | $14,563 | $62,393-76.7% | $120,580-87.9% | $74,478-80.4% |
| Participation rate | 64.2% | 56.8%+7.4pp | 72.0%-7.8pp | 67.2%-3.1pp |
| Annual return | 14.63% | 18.61%-4.0pp | 107.48%-92.8pp | 1370.56%-1355.9pp |
| Employer contribution / active EE | $757 | $1,845-59.0% | $3,469-78.2% | $2,626-71.2% |
| Participant deferral / active EE | $1,543 | $2,886-46.5% | $4,995-69.1% | $4,350-64.5% |
| Admin fee / account holder | $423 | $2,396-82.4% | $9,418-95.5% | $1,946-78.3% |