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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 | $18,101 | $75,183-75.9% | $123,894-85.4% | $55,167-67.2% |
| Participation rate | 43.0% | 72.8%-29.9pp | 81.4%-38.4pp | 69.0%-26.0pp |
| Annual return | 16.28% | 19.01%-2.7pp | 47.52%-31.2pp | 169.23%-153.0pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $5,089 | $5,084+0.1% | $5,984-15.0% | $3,054+66.6% |
| Admin fee / account holder | $3,201 | $663+383.1% | $8,357-61.7% | $504+535.2% |