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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 | $14,641 | $76,834-80.9% | $108,359-86.5% | $87,485-83.3% |
| Participation rate | 51.1% | 61.7%-10.6pp | 70.1%-19.0pp | 68.9%-17.8pp |
| Annual return | 19.77% | 19.09%+0.7pp | 36.89%-17.1pp | 26.06%-6.3pp |
| Employer contribution / active EE | $732 | $1,556-53.0% | $2,399-69.5% | $2,596-71.8% |
| Participant deferral / active EE | $2,111 | $3,100-31.9% | $4,137-49.0% | $4,274-50.6% |
| Admin fee / account holder | $1,286 | $6,537-80.3% | $9,741-86.8% | $7,775-83.5% |