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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 | $20,137 | $72,269-72.1% | $101,271-80.1% | $79,852-74.8% |
| Participation rate | 53.5% | 68.5%-14.9pp | 75.8%-22.3pp | 69.6%-16.1pp |
| Annual return | 18.32% | 22.29%-4.0pp | 46.48%-28.2pp | 31.72%-13.4pp |
| Employer contribution / active EE | $1,238 | $2,692-54.0% | $3,660-66.2% | $2,471-49.9% |
| Participant deferral / active EE | $3,756 | $3,282+14.5% | $4,371-14.1% | $3,740+0.4% |
| Admin fee / account holder | $3,690 | $4,401-16.2% | $5,948-38.0% | $5,306-30.5% |