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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 | $22,309 | $102,385-78.2% | $147,080-84.8% | $80,935-72.4% |
| Participation rate | 54.6% | 75.9%-21.2pp | 82.2%-27.5pp | 67.7%-13.0pp |
| Annual return | 35.87% | 135.09%-99.2pp | 420.17%-384.3pp | 35.66%+0.2pp |
| Employer contribution / active EE | $1,122 | $3,717-69.8% | $4,933-77.3% | $2,757-59.3% |
| Participant deferral / active EE | $2,773 | $6,651-58.3% | $8,066-65.6% | $4,299-35.5% |
| Admin fee / account holder | $573 | $7,951-92.8% | $12,989-95.6% | $6,924-91.7% |