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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 | $6,543 | $65,712-90.0% | $57,196-88.6% | $273,972-97.6% |
| Participation rate | 45.5% | 78.3%-32.9pp | 75.3%-29.9pp | 83.0%-37.6pp |
| Annual return | 2.92% | 22.01%-19.1pp | 14.59%-11.7pp | 41.46%-38.5pp |
| Employer contribution / active EE | $510 | $3,280-84.5% | $2,683-81.0% | $4,869-89.5% |
| Participant deferral / active EE | $764 | $3,782-79.8% | $3,096-75.3% | $5,287-85.6% |
| Admin fee / account holder | $368 | $4,838-92.4% | $3,141-88.3% | $10,133-96.4% |