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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 | $15,810 | $78,705-79.9% | $117,860-86.6% | $70,124-77.5% |
| Participation rate | 44.7% | 73.2%-28.5pp | 79.7%-35.0pp | 69.5%-24.9pp |
| Annual return | 21.11% | 23.30%-2.2pp | 335.10%-314.0pp | 73.14%-52.0pp |
| Employer contribution / active EE | $836 | $2,223-62.4% | $3,786-77.9% | $2,342-64.3% |
| Participant deferral / active EE | $1,740 | $3,297-47.2% | $4,482-61.2% | $3,332-47.8% |
| Admin fee / account holder | $2,923 | $5,065-42.3% | $8,021-63.6% | $4,645-37.1% |