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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 | $20,699 | $65,027-68.2% | $90,970-77.2% | $79,852-74.1% |
| Participation rate | 35.9% | 61.6%-25.7pp | 69.0%-33.1pp | 69.6%-33.7pp |
| Annual return | 13.64% | 30.45%-16.8pp | 134.58%-120.9pp | 31.72%-18.1pp |
| Employer contribution / active EE | $583 | $1,247-53.3% | $2,122-72.5% | $2,471-76.4% |
| Participant deferral / active EE | $1,767 | $2,512-29.7% | $3,373-47.6% | $3,740-52.8% |
| Admin fee / account holder | $5,244 | $4,535+15.6% | $5,960-12.0% | $5,306-1.2% |