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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 | $18,490 | $102,393-81.9% | $147,041-87.4% | $80,911-77.1% |
| Participation rate | 69.4% | 75.9%-6.4pp | 82.2%-12.7pp | 67.6%+1.8pp |
| Annual return | 13.14% | 134.95%-121.8pp | 419.21%-406.1pp | 35.63%-22.5pp |
| Employer contribution / active EE | $1,928 | $3,715-48.1% | $4,935-60.9% | $2,756-30.0% |
| Participant deferral / active EE | $4,712 | $6,647-29.1% | $8,071-41.6% | $4,297+9.6% |
| Admin fee / account holder | $811 | $7,943-89.8% | $13,006-93.8% | $6,935-88.3% |