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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 | $20,351 | $88,360-77.0% | $145,433-86.0% | $67,986-70.1% |
| Participation rate | 59.1% | 65.5%-6.4pp | 82.1%-23.0pp | 57.2%+1.9pp |
| Annual return | 21.01% | 63.15%-42.1pp | 66.58%-45.6pp | 31.67%-10.7pp |
| Employer contribution / active EE | $1,476 | $3,054-51.7% | $4,554-67.6% | $2,019-26.9% |
| Participant deferral / active EE | $2,474 | $5,932-58.3% | $7,897-68.7% | $3,358-26.3% |
| Admin fee / account holder | $1,058 | $3,313-68.1% | $13,129-91.9% | $3,203-67.0% |