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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 | $27,217 | $86,949-68.7% | $102,460-73.4% | $80,959-66.4% |
| Participation rate | 55.6% | 72.4%-16.8pp | 76.5%-21.0pp | 67.7%-12.1pp |
| Annual return | 15.86% | 18.89%-3.0pp | 29.47%-13.6pp | 35.67%-19.8pp |
| Employer contribution / active EE | $1,547 | $2,370-34.7% | $3,025-48.9% | $2,757-43.9% |
| Participant deferral / active EE | $3,528 | $4,121-14.4% | $5,056-30.2% | $4,300-18.0% |
| Admin fee / account holder | $455 | $8,048-94.4% | $9,460-95.2% | $6,925-93.4% |