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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 | $8,789 | $133,981-93.4% | $112,249-92.2% | $134,532-93.5% |
| Participation rate | 57.1% | 78.6%-21.4pp | 75.1%-17.9pp | 81.2%-24.1pp |
| Annual return | -19.31% | 47.16%-66.5pp | 27.48%-46.8pp | 418.27%-437.6pp |
| Employer contribution / active EE | $4,900 | $4,040+21.3% | $3,636+34.8% | $4,741+3.3% |
| Participant deferral / active EE | $2,906 | $5,292-45.1% | $4,729-38.6% | $6,401-54.6% |
| Admin fee / account holder | $552 | $7,492-92.6% | $6,412-91.4% | $11,429-95.2% |