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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 | $5,748 | $116,203-95.1% | $93,621-93.9% | $152,909-96.2% |
| Participation rate | 40.0% | 78.1%-38.1pp | 75.8%-35.8pp | 82.5%-42.5pp |
| Annual return | 21.17% | 35.96%-14.8pp | 32.76%-11.6pp | 345.46%-324.3pp |
| Employer contribution / active EE | $1,500 | $3,219-53.4% | $2,719-44.8% | $4,764-68.5% |
| Participant deferral / active EE | $1,500 | $4,605-67.4% | $4,070-63.1% | $5,851-74.4% |
| Admin fee / account holder | $13,500 | $10,751+25.6% | $7,890+71.1% | $11,601+16.4% |