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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 | $13,722 | $57,352-76.1% | $83,831-83.6% | $64,173-78.6% |
| Participation rate | 39.1% | 68.6%-29.5pp | 76.1%-37.0pp | 69.6%-30.4pp |
| Annual return | 15.17% | 11.38%+3.8pp | 850.99%-835.8pp | 7.63%+7.5pp |
| Employer contribution / active EE | $1,632 | $2,546-35.9% | $3,631-55.0% | $2,381-31.4% |
| Participant deferral / active EE | $2,319 | $2,993-22.5% | $4,082-43.2% | $3,470-33.2% |
| Admin fee / account holder | $2,453 | $4,046-39.4% | $5,479-55.2% | $4,887-49.8% |