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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 | $9,220 | $53,162-82.7% | $91,227-89.9% | $68,490-86.5% |
| Participation rate | 47.1% | 63.2%-16.2pp | 73.2%-26.1pp | 67.9%-20.8pp |
| Annual return | -19.85% | -3.14%-16.7pp | 114.14%-134.0pp | -7.85%-12.0pp |
| Employer contribution / active EE | $564 | $1,709-67.0% | $2,851-80.2% | $2,597-78.3% |
| Participant deferral / active EE | $3,200 | $2,974+7.6% | $4,234-24.4% | $4,028-20.6% |
| Admin fee / account holder | $862 | $4,493-80.8% | $5,423-84.1% | $5,403-84.0% |