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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 | $8,617 | $81,233-89.4% | $155,567-94.5% | $80,874-89.3% |
| Participation rate | 56.4% | 66.2%-9.8pp | 78.2%-21.8pp | 67.6%-11.2pp |
| Annual return | 27.82% | 33.33%-5.5pp | 64.74%-36.9pp | 35.62%-7.8pp |
| Employer contribution / active EE | $659 | $3,101-78.7% | $4,674-85.9% | $2,756-76.1% |
| Participant deferral / active EE | $1,079 | $3,452-68.7% | $5,628-80.8% | $4,297-74.9% |
| Admin fee / account holder | $1,095 | $7,998-86.3% | $15,916-93.1% | $6,935-84.2% |