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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 | $17,962 | $74,535-75.9% | $100,712-82.2% | $82,637-78.3% |
| Participation rate | 63.9% | 61.2%+2.7pp | 69.3%-5.4pp | 68.1%-4.2pp |
| Annual return | 20.26% | 18.92%+1.3pp | 33.27%-13.0pp | 53.51%-33.2pp |
| Employer contribution / active EE | $1,262 | $1,503-16.0% | $2,313-45.4% | $2,552-50.5% |
| Participant deferral / active EE | $1,291 | $3,074-58.0% | $4,085-68.4% | $4,126-68.7% |
| Admin fee / account holder | $867 | $6,576-86.8% | $9,256-90.6% | $7,339-88.2% |