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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 | $8,815 | $78,425-88.8% | $95,956-90.8% | $79,858-89.0% |
| Participation rate | 60.4% | 73.5%-13.1pp | 77.1%-16.7pp | 69.6%-9.2pp |
| Annual return | 26.81% | 19.37%+7.4pp | 91.63%-64.8pp | 31.72%-4.9pp |
| Employer contribution / active EE | $982 | $1,945-49.5% | $2,541-61.3% | $2,471-60.2% |
| Participant deferral / active EE | $2,145 | $3,440-37.6% | $4,167-48.5% | $3,740-42.7% |
| Admin fee / account holder | $312 | $5,622-94.5% | $6,797-95.4% | $5,306-94.1% |