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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 | $31,731 | $81,334-61.0% | $113,397-72.0% | $64,097-50.5% |
| Participation rate | 47.3% | 65.6%-18.3pp | 76.5%-29.2pp | 55.2%-7.9pp |
| Annual return | 18.12% | 32.50%-14.4pp | 23.20%-5.1pp | 34.64%-16.5pp |
| Employer contribution / active EE | $1,560 | $2,077-24.9% | $2,977-47.6% | $1,891-17.5% |
| Participant deferral / active EE | $3,101 | $3,795-18.3% | $5,076-38.9% | $3,080+0.7% |
| Admin fee / account holder | $1,731 | $4,208-58.9% | $11,957-85.5% | $3,454-49.9% |