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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 | $12,840 | $76,551-83.2% | $123,894-89.6% | $62,881-79.6% |
| Participation rate | 64.0% | 73.0%-9.0pp | 81.4%-17.4pp | 69.3%-5.3pp |
| Annual return | 14.43% | 18.68%-4.2pp | 47.52%-33.1pp | 20.14%-5.7pp |
| Employer contribution / active EE | $1,672 | $2,882-42.0% | $4,617-63.8% | $2,281-26.7% |
| Participant deferral / active EE | $3,089 | $4,840-36.2% | $5,984-48.4% | $3,203-3.6% |
| Admin fee / account holder | $350 | $4,826-92.7% | $8,357-95.8% | $4,296-91.9% |