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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 | $9,367 | $49,177-81.0% | $79,476-88.2% | $64,181-85.4% |
| Participation rate | 59.3% | 65.0%-5.8pp | 73.3%-14.1pp | 69.6%-10.3pp |
| Annual return | -7.56% | -1.16%-6.4pp | 718.21%-725.8pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,166 | $2,076-43.9% | $2,800-58.4% | $2,381-51.0% |
| Participant deferral / active EE | $2,542 | $2,821-9.9% | $3,704-31.4% | $3,470-26.7% |
| Admin fee / account holder | $3,975 | $3,839+3.5% | $5,113-22.3% | $4,887-18.7% |