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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 | $7,910 | $65,027-87.8% | $90,970-91.3% | $79,852-90.1% |
| Participation rate | 37.8% | 61.6%-23.8pp | 69.0%-31.2pp | 69.6%-31.9pp |
| Annual return | 20.57% | 30.45%-9.9pp | 134.58%-114.0pp | 31.72%-11.1pp |
| Employer contribution / active EE | $500 | $1,247-59.9% | $2,122-76.5% | $2,471-79.8% |
| Participant deferral / active EE | $1,190 | $2,512-52.6% | $3,373-64.7% | $3,740-68.2% |
| Admin fee / account holder | $1,090 | $4,535-76.0% | $5,960-81.7% | $5,306-79.5% |