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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 | $30,262 | $101,752-70.3% | $164,928-81.7% | $80,911-62.6% |
| Participation rate | 40.7% | 71.8%-31.2pp | 78.6%-37.9pp | 67.6%-27.0pp |
| Annual return | 17.04% | 16.73%+0.3pp | 70.08%-53.0pp | 35.63%-18.6pp |
| Employer contribution / active EE | $1,048 | $2,953-64.5% | $4,343-75.9% | $2,756-62.0% |
| Participant deferral / active EE | $2,333 | $4,477-47.9% | $6,034-61.3% | $4,297-45.7% |
| Admin fee / account holder | $552 | $8,218-93.3% | $12,684-95.6% | $6,935-92.0% |