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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 | $11,316 | $102,422-89.0% | $147,117-92.3% | $80,959-86.0% |
| Participation rate | 67.9% | 75.9%-8.0pp | 82.2%-14.3pp | 67.7%+0.2pp |
| Annual return | 15.58% | 135.16%-119.6pp | 420.54%-405.0pp | 35.67%-20.1pp |
| Employer contribution / active EE | $1,077 | $3,717-71.0% | $4,932-78.2% | $2,757-60.9% |
| Participant deferral / active EE | $4,463 | $6,652-32.9% | $8,065-44.7% | $4,300+3.8% |
| Admin fee / account holder | $2,254 | $7,953-71.7% | $12,993-82.7% | $6,925-67.5% |