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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 | $16,400 | $101,795-83.9% | $165,100-90.1% | $80,959-79.7% |
| Participation rate | 63.9% | 71.8%-7.9pp | 78.6%-14.7pp | 67.7%-3.8pp |
| Annual return | 13.01% | 16.73%-3.7pp | 70.21%-57.2pp | 35.67%-22.7pp |
| Employer contribution / active EE | $2,176 | $2,954-26.3% | $4,348-50.0% | $2,757-21.1% |
| Participant deferral / active EE | $4,535 | $4,476+1.3% | $6,035-24.9% | $4,300+5.5% |
| Admin fee / account holder | $6,925 | $8,221-15.8% | $12,696-45.5% | $6,9250% |