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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 | $8,852 | $67,602-86.9% | $82,312-89.2% | $70,126-87.4% |
| Participation rate | 48.6% | 72.8%-24.2pp | 76.9%-28.3pp | 69.5%-21.0pp |
| Annual return | 19.71% | 21.57%-1.9pp | 25.88%-6.2pp | 73.15%-53.4pp |
| Employer contribution / active EE | $1,265 | $1,755-27.9% | $2,428-47.9% | $2,343-46.0% |
| Participant deferral / active EE | $1,783 | $2,987-40.3% | $3,706-51.9% | $3,332-46.5% |
| Admin fee / account holder | $639 | $4,512-85.8% | $5,608-88.6% | $4,645-86.2% |