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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 | $9,428 | $55,684-83.1% | $75,900-87.6% | $72,976-87.1% |
| Participation rate | 65.5% | 61.1%+4.4pp | 69.3%-3.8pp | 69.5%-4.0pp |
| Annual return | 40.06% | 27.60%+12.5pp | 30.73%+9.3pp | 81.02%-41.0pp |
| Employer contribution / active EE | $1,746 | $1,687+3.5% | $2,501-30.2% | $2,440-28.4% |
| Participant deferral / active EE | $2,595 | $2,634-1.5% | $3,604-28.0% | $3,608-28.1% |
| Admin fee / account holder | $350 | $3,981-91.2% | $5,421-93.5% | $5,124-93.2% |