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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 | $20,018 | $97,648-79.5% | $121,663-83.5% | $87,485-77.1% |
| Participation rate | 52.3% | 70.5%-18.2pp | 74.5%-22.2pp | 68.9%-16.7pp |
| Annual return | 12.04% | 18.03%-6.0pp | 147.54%-135.5pp | 26.06%-14.0pp |
| Employer contribution / active EE | $729 | $2,300-68.3% | $3,020-75.9% | $2,596-71.9% |
| Participant deferral / active EE | $1,874 | $3,923-52.2% | $4,887-61.7% | $4,274-56.2% |
| Admin fee / account holder | $3,636 | $11,100-67.2% | $14,289-74.6% | $7,775-53.2% |