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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 | $12,482 | $69,977-82.2% | $108,582-88.5% | $62,881-80.2% |
| Participation rate | 57.3% | 72.9%-15.6pp | 79.6%-22.3pp | 69.3%-12.0pp |
| Annual return | 12.58% | 10.73%+1.9pp | -51.70%+64.3pp | 20.14%-7.6pp |
| Employer contribution / active EE | $1,096 | $2,135-48.7% | $3,758-70.8% | $2,281-52.0% |
| Participant deferral / active EE | $2,307 | $3,165-27.1% | $4,311-46.5% | $3,203-28.0% |
| Admin fee / account holder | $388 | $5,076-92.4% | $7,645-94.9% | $4,296-91.0% |