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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 | $14,735 | $99,345-85.2% | $84,753-82.6% | $273,972-94.6% |
| Participation rate | 35.3% | 80.7%-45.4pp | 76.6%-41.3pp | 83.0%-47.7pp |
| Annual return | 11.63% | 22.93%-11.3pp | 22.78%-11.1pp | 41.46%-29.8pp |
| Employer contribution / active EE | $1,173 | $4,214-72.2% | $3,574-67.2% | $4,869-75.9% |
| Participant deferral / active EE | $1,893 | $4,270-55.7% | $3,712-49.0% | $5,287-64.2% |
| Admin fee / account holder | $2,165 | $6,645-67.4% | $5,333-59.4% | $10,133-78.6% |