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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 | $18,715 | $73,988-74.7% | $96,538-80.6% | $75,177-75.1% |
| Participation rate | 59.5% | 66.4%-6.9pp | 74.3%-14.8pp | 67.2%-7.7pp |
| Annual return | 21.25% | 26.73%-5.5pp | 35.74%-14.5pp | 160.75%-139.5pp |
| Employer contribution / active EE | $1,172 | $2,930-60.0% | $3,740-68.7% | $2,671-56.1% |
| Participant deferral / active EE | $3,185 | $3,660-13.0% | $4,880-34.7% | $4,126-22.8% |
| Admin fee / account holder | $3,574 | $5,220-31.5% | $6,737-47.0% | $5,651-36.8% |