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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 | $17,873 | $77,817-77.0% | $123,553-85.5% | $64,173-72.1% |
| Participation rate | 65.9% | 74.7%-8.9pp | 82.3%-16.4pp | 69.6%-3.7pp |
| Annual return | -6.37% | 12.49%-18.9pp | 119.21%-125.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $1,690 | $3,014-43.9% | $4,628-63.5% | $2,381-29.0% |
| Participant deferral / active EE | $6,147 | $5,240+17.3% | $6,426-4.3% | $3,470+77.2% |
| Admin fee / account holder | $1,048 | $5,519-81.0% | $9,284-88.7% | $4,887-78.6% |