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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 | $21,737 | $67,602-67.8% | $82,312-73.6% | $70,126-69.0% |
| Participation rate | 37.3% | 72.8%-35.5pp | 76.9%-39.6pp | 69.5%-32.3pp |
| Annual return | 13.07% | 21.57%-8.5pp | 25.88%-12.8pp | 73.15%-60.1pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,829 | $2,987-5.3% | $3,706-23.7% | $3,332-15.1% |
| Admin fee / account holder | $2,783 | $4,512-38.3% | $5,608-50.4% | $4,645-40.1% |