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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 | $24,402 | $64,010-61.9% | $108,359-77.5% | $64,340-62.1% |
| Participation rate | 51.0% | 49.4%+1.6pp | 70.1%-19.2pp | 55.2%-4.3pp |
| Annual return | 15.64% | 19.74%-4.1pp | 36.89%-21.3pp | 24.14%-8.5pp |
| Employer contribution / active EE | $1,067 | $1,029+3.7% | $2,399-55.5% | $1,862-42.7% |
| Participant deferral / active EE | $2,001 | $2,395-16.5% | $4,137-51.6% | $2,980-32.9% |
| Admin fee / account holder | $1,592 | $4,885-67.4% | $9,741-83.7% | $3,703-57.0% |