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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 | $15,714 | $77,962-79.8% | $178,540-91.2% | $80,935-80.6% |
| Participation rate | 28.1% | 65.7%-37.5pp | 77.1%-49.0pp | 67.7%-39.5pp |
| Annual return | 28.86% | 18.10%+10.8pp | 27.15%+1.7pp | 35.66%-6.8pp |
| Employer contribution / active EE | $1,059 | $2,280-53.6% | $3,953-73.2% | $2,757-61.6% |
| Participant deferral / active EE | $1,598 | $4,404-63.7% | $6,281-74.6% | $4,299-62.8% |
| Admin fee / account holder | $3,747 | $7,156-47.6% | $10,424-64.1% | $6,924-45.9% |