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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 | $13,159 | $96,558-86.4% | $80,977-83.8% | $273,972-95.2% |
| Participation rate | 16.7% | 79.1%-62.4pp | 75.8%-59.1pp | 83.0%-66.3pp |
| Annual return | 5.97% | 15.14%-9.2pp | 17.11%-11.1pp | 41.46%-35.5pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,977 | $6,598-70.0% | $5,696-65.3% | $5,287-62.6% |
| Admin fee / account holder | $465 | $7,493-93.8% | $5,517-91.6% | $10,133-95.4% |