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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 | $12,154 | $55,684-78.2% | $75,900-84.0% | $72,976-83.3% |
| Participation rate | 32.6% | 61.1%-28.6pp | 69.3%-36.7pp | 69.5%-36.9pp |
| Annual return | 21.53% | 27.60%-6.1pp | 30.73%-9.2pp | 81.02%-59.5pp |
| Employer contribution / active EE | $844 | $1,687-50.0% | $2,501-66.3% | $2,440-65.4% |
| Participant deferral / active EE | $2,223 | $2,634-15.6% | $3,604-38.3% | $3,608-38.4% |
| Admin fee / account holder | $1,794 | $3,981-54.9% | $5,421-66.9% | $5,124-65.0% |