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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 | $10,667 | $52,580-79.7% | $71,671-85.1% | $70,126-84.8% |
| Participation rate | 37.2% | 60.9%-23.7pp | 68.7%-31.5pp | 69.5%-32.3pp |
| Annual return | 22.51% | 20.25%+2.3pp | 20.65%+1.9pp | 73.15%-50.6pp |
| Employer contribution / active EE | $443 | $1,616-72.6% | $2,460-82.0% | $2,343-81.1% |
| Participant deferral / active EE | $1,410 | $2,386-40.9% | $3,438-59.0% | $3,332-57.7% |
| Admin fee / account holder | $3,737 | $3,653+2.3% | $5,558-32.8% | $4,645-19.6% |