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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 | $24,887 | $109,359-77.2% | $162,171-84.7% | $72,983-65.9% |
| Participation rate | 46.3% | 84.3%-37.9pp | 87.6%-41.2pp | 69.5%-23.1pp |
| Annual return | 26.32% | 25.46%+0.9pp | 115.60%-89.3pp | 81.01%-54.7pp |
| Employer contribution / active EE | $1,437 | $3,907-63.2% | $5,613-74.4% | $2,440-41.1% |
| Participant deferral / active EE | $3,386 | $5,481-38.2% | $7,297-53.6% | $3,608-6.1% |
| Admin fee / account holder | $1,078 | $7,972-86.5% | $10,843-90.1% | $5,124-79.0% |