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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 | $21,715 | $60,349-64.0% | $74,184-70.7% | $62,881-65.5% |
| Participation rate | 40.2% | 72.7%-32.5pp | 76.6%-36.4pp | 69.3%-29.1pp |
| Annual return | 71.29% | 21.38%+49.9pp | 17.74%+53.6pp | 20.14%+51.1pp |
| Employer contribution / active EE | $378 | $1,680-77.5% | $2,370-84.1% | $2,281-83.4% |
| Participant deferral / active EE | $1,964 | $2,856-31.2% | $3,550-44.7% | $3,203-38.7% |
| Admin fee / account holder | $2,123 | $4,261-50.2% | $5,586-62.0% | $4,296-50.6% |