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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 | $14,552 | $65,364-77.7% | $92,909-84.3% | $72,975-80.1% |
| Participation rate | 64.4% | 68.3%-3.9pp | 76.0%-11.6pp | 69.5%-5.0pp |
| Annual return | 23.36% | 42.11%-18.7pp | 109.44%-86.1pp | 81.01%-57.6pp |
| Employer contribution / active EE | $1,040 | $2,594-59.9% | $3,653-71.5% | $2,440-57.4% |
| Participant deferral / active EE | $3,049 | $3,128-2.5% | $4,238-28.1% | $3,608-15.5% |
| Admin fee / account holder | $1,078 | $4,251-74.6% | $5,795-81.4% | $5,124-79.0% |