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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 | $16,334 | $63,346-74.2% | $92,240-82.3% | $70,126-76.7% |
| Participation rate | 45.2% | 68.7%-23.5pp | 76.5%-31.3pp | 69.5%-24.4pp |
| Annual return | 23.47% | 530.19%-506.7pp | 176.29%-152.8pp | 73.15%-49.7pp |
| Employer contribution / active EE | $1,060 | $2,471-57.1% | $3,680-71.2% | $2,343-54.7% |
| Participant deferral / active EE | $1,888 | $2,854-33.8% | $3,897-51.5% | $3,332-43.3% |
| Admin fee / account holder | $749 | $3,841-80.5% | $5,194-85.6% | $4,645-83.9% |