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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 | $20,071 | $88,707-77.4% | $74,184-72.9% | $273,972-92.7% |
| Participation rate | 45.5% | 79.4%-34.0pp | 76.6%-31.2pp | 83.0%-37.6pp |
| Annual return | 5.53% | 11.94%-6.4pp | 17.74%-12.2pp | 41.46%-35.9pp |
| Employer contribution / active EE | $876 | $3,159-72.3% | $2,370-63.0% | $4,869-82.0% |
| Participant deferral / active EE | $2,170 | $4,212-48.5% | $3,550-38.9% | $5,287-59.0% |
| Admin fee / account holder | $3,418 | $8,717-60.8% | $5,586-38.8% | $10,133-66.3% |