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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 | $23,617 | $101,763-76.8% | $164,866-85.7% | $80,874-70.8% |
| Participation rate | 67.2% | 71.8%-4.6pp | 78.6%-11.4pp | 67.6%-0.5pp |
| Annual return | 16.93% | 16.73%+0.2pp | 69.97%-53.0pp | 35.62%-18.7pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,779 | $4,477-15.6% | $6,033-37.4% | $4,297-12.1% |
| Admin fee / account holder | $3,720 | $8,228-54.8% | $12,689-70.7% | $6,935-46.4% |