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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 | $25,510 | $81,334-68.6% | $113,397-77.5% | $64,097-60.2% |
| Participation rate | 65.2% | 65.6%-0.4pp | 76.5%-11.3pp | 55.2%+10.1pp |
| Annual return | 18.90% | 32.50%-13.6pp | 23.20%-4.3pp | 34.64%-15.7pp |
| Employer contribution / active EE | $1,804 | $2,077-13.1% | $2,977-39.4% | $1,891-4.6% |
| Participant deferral / active EE | $3,217 | $3,795-15.2% | $5,076-36.6% | $3,080+4.5% |
| Admin fee / account holder | $11,229 | $4,208+166.8% | $11,957-6.1% | $3,454+225.0% |