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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 | $8,313 | $45,041-81.5% | $63,003-86.8% | $70,131-88.1% |
| Participation rate | 59.7% | 69.5%-9.8pp | 74.8%-15.1pp | 69.5%-9.9pp |
| Annual return | 28.14% | 18.76%+9.4pp | 87.59%-59.4pp | 73.14%-45.0pp |
| Employer contribution / active EE | $599 | $2,052-70.8% | $2,760-78.3% | $2,342-74.4% |
| Participant deferral / active EE | $1,696 | $2,465-31.2% | $3,329-49.1% | $3,332-49.1% |
| Admin fee / account holder | $1,304 | $2,836-54.0% | $3,600-63.8% | $4,645-71.9% |