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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 | $14,451 | $154,159-90.6% | $130,026-88.9% | $139,456-89.6% |
| Participation rate | 36.4% | 82.0%-45.6pp | 78.5%-42.1pp | 80.3%-44.0pp |
| Annual return | 26.25% | 32.50%-6.3pp | -137.26%+163.5pp | 373.45%-347.2pp |
| Employer contribution / active EE | $1,486 | $5,292-71.9% | $4,321-65.6% | $4,753-68.7% |
| Participant deferral / active EE | $2,707 | $6,710-59.6% | $5,821-53.5% | $6,711-59.7% |
| Admin fee / account holder | $4,915 | $14,001-64.9% | $10,608-53.7% | $11,407-56.9% |