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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 | $15,885 | $65,961-75.9% | $180,320-91.2% | $94,015-83.1% |
| Participation rate | 39.7% | 61.3%-21.5pp | 71.5%-31.8pp | 70.8%-31.1pp |
| Annual return | 11.67% | 14.27%-2.6pp | 778.54%-766.9pp | 17.84%-6.2pp |
| Employer contribution / active EE | $879 | $1,737-49.4% | $4,108-78.6% | $2,790-68.5% |
| Participant deferral / active EE | $1,438 | $3,003-52.1% | $4,304-66.6% | $4,249-66.2% |
| Admin fee / account holder | $3,526 | $4,901-28.0% | $10,000-64.7% | $8,951-60.6% |