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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 | $23,205 | $67,602-65.7% | $82,312-71.8% | $70,126-66.9% |
| Participation rate | 36.7% | 72.8%-36.1pp | 76.9%-40.2pp | 69.5%-32.9pp |
| Annual return | 15.97% | 21.57%-5.6pp | 25.88%-9.9pp | 73.15%-57.2pp |
| Employer contribution / active EE | $710 | $1,755-59.5% | $2,428-70.8% | $2,343-69.7% |
| Participant deferral / active EE | $1,515 | $2,987-49.3% | $3,706-59.1% | $3,332-54.5% |
| Admin fee / account holder | $567 | $4,512-87.4% | $5,608-89.9% | $4,645-87.8% |