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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 | $14,986 | $54,541-72.5% | $78,778-81.0% | $70,126-78.6% |
| Participation rate | 56.4% | 60.8%-4.4pp | 69.2%-12.8pp | 69.5%-13.1pp |
| Annual return | 17.14% | 21.07%-3.9pp | 35.62%-18.5pp | 73.15%-56.0pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,400 | $2,210+144.3% | $2,958+82.5% | $3,332+62.1% |
| Admin fee / account holder | $1,268 | $3,709-65.8% | $5,134-75.3% | $4,645-72.7% |