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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 | $15,121 | $95,404-84.2% | $113,397-86.7% | $82,637-81.7% |
| Participation rate | 62.9% | 72.8%-10.0pp | 76.5%-13.6pp | 68.1%-5.2pp |
| Annual return | 17.65% | 19.08%-1.4pp | 23.20%-5.6pp | 53.51%-35.9pp |
| Employer contribution / active EE | $1,320 | $2,307-42.8% | $2,977-55.6% | $2,552-48.3% |
| Participant deferral / active EE | $2,237 | $4,220-47.0% | $5,076-55.9% | $4,126-45.8% |
| Admin fee / account holder | $1,868 | $9,168-79.6% | $11,957-84.4% | $7,339-74.5% |