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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 | $30,698 | $73,638-58.3% | $95,960-68.0% | $73,493-58.2% |
| Participation rate | 54.5% | 76.2%-21.7pp | 77.1%-22.6pp | 70.7%-16.2pp |
| Annual return | 52.04% | 16.78%+35.3pp | 91.63%-39.6pp | 28.51%+23.5pp |
| Employer contribution / active EE | $992 | $1,863-46.8% | $2,541-61.0% | $2,270-56.3% |
| Participant deferral / active EE | $2,320 | $3,617-35.8% | $4,167-44.3% | $3,740-38.0% |
| Admin fee / account holder | $1,813 | $482+276.1% | $6,797-73.3% | $513+253.4% |