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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 | $25,596 | $93,345-72.6% | $119,126-78.5% | $87,485-70.7% |
| Participation rate | 63.2% | 68.7%-5.6pp | 75.8%-12.6pp | 68.9%-5.8pp |
| Annual return | 12.79% | 19.08%-6.3pp | 282.11%-269.3pp | 26.06%-13.3pp |
| Employer contribution / active EE | $1,060 | $3,172-66.6% | $4,034-73.7% | $2,596-59.2% |
| Participant deferral / active EE | $1,821 | $4,099-55.6% | $5,318-65.8% | $4,274-57.4% |
| Admin fee / account holder | $1,317 | $8,039-83.6% | $10,693-87.7% | $7,775-83.1% |