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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 | $17,472 | $106,864-83.7% | $147,318-88.1% | $82,637-78.9% |
| Participation rate | 63.6% | 75.5%-11.9pp | 82.1%-18.4pp | 68.1%-4.4pp |
| Annual return | 22.73% | 27.49%-4.8pp | 70.43%-47.7pp | 53.51%-30.8pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,253 | $6,496-49.9% | $7,906-58.9% | $4,126-21.2% |
| Admin fee / account holder | $1,470 | $8,415-82.5% | $13,708-89.3% | $7,339-80.0% |