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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 | $9,206 | $58,320-84.2% | $86,451-89.4% | $66,949-86.2% |
| Participation rate | 55.9% | 78.6%-22.7pp | 80.3%-24.4pp | 69.8%-13.9pp |
| Annual return | 0.00% | -9.71%+9.7pp | 4398.51%-4398.5pp | 1.57%-1.6pp |
| Employer contribution / active EE | $0 | $2,615-100.0% | $3,770-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,400 | $6,899-36.2% | $6,953-36.7% | $4,239+3.8% |
| Admin fee / account holder | $492 | $546-9.8% | $6,734-92.7% | $594-17.1% |