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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 | $14,551 | $52,639-72.4% | $185,117-92.1% | $62,293-76.6% |
| Participation rate | 61.0% | 63.9%-2.9pp | 77.3%-16.3pp | 69.5%-8.5pp |
| Annual return | 19.30% | 19.57%-0.3pp | 40.50%-21.2pp | 28.90%-9.6pp |
| Employer contribution / active EE | $892 | $1,483-39.8% | $4,182-78.7% | $2,042-56.3% |
| Participant deferral / active EE | $1,715 | $3,097-44.6% | $5,045-66.0% | $3,169-45.9% |
| Admin fee / account holder | $728 | $374+94.9% | $8,159-91.1% | $479+51.9% |