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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 | $9,749 | $56,054-82.6% | $171,082-94.3% | $62,881-84.5% |
| Participation rate | 63.5% | 62.9%+0.7pp | 76.7%-13.2pp | 69.3%-5.8pp |
| Annual return | 7.58% | 22.52%-14.9pp | 32.56%-25.0pp | 20.14%-12.6pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,675 | $3,158-46.9% | $4,797-65.1% | $3,203-47.7% |
| Admin fee / account holder | $1,426 | $3,647-60.9% | $8,520-83.3% | $4,296-66.8% |