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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 | $21,172 | $165,399-87.2% | $149,745-85.9% | $158,982-86.7% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 17.88% | 348.34%-330.5pp | 276.72%-258.8pp | 302.99%-285.1pp |
| Employer contribution / active EE | $1,630 | $5,105-68.1% | $4,646-64.9% | $4,763-65.8% |
| Participant deferral / active EE | $3,679 | $7,183-48.8% | $6,843-46.2% | $5,983-38.5% |
| Admin fee / account holder | $3,467 | $10,811-67.9% | $9,312-62.8% | $11,252-69.2% |