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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 | $28,751 | $91,559-68.6% | $133,971-78.5% | $79,852-64.0% |
| Participation rate | 43.2% | 73.3%-30.1pp | 79.8%-36.6pp | 69.6%-26.4pp |
| Annual return | 18.76% | 61.85%-43.1pp | 45.09%-26.3pp | 31.72%-13.0pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,731 | $3,734-26.9% | $5,047-45.9% | $3,740-27.0% |
| Admin fee / account holder | $1,761 | $6,321-72.1% | $8,929-80.3% | $5,306-66.8% |