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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 | $15,549 | $54,541-71.5% | $78,778-80.3% | $70,131-77.8% |
| Participation rate | 67.4% | 60.8%+6.6pp | 69.2%-1.8pp | 69.5%-2.2pp |
| Annual return | 15.71% | 21.07%-5.4pp | 35.62%-19.9pp | 73.14%-57.4pp |
| Employer contribution / active EE | $399 | $1,089-63.4% | $1,986-79.9% | $2,342-83.0% |
| Participant deferral / active EE | $2,046 | $2,210-7.4% | $2,958-30.8% | $3,332-38.6% |
| Admin fee / account holder | $632 | $3,709-82.9% | $5,134-87.7% | $4,645-86.4% |