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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 | $5,457 | $63,346-91.4% | $92,240-94.1% | $70,126-92.2% |
| Participation rate | 52.4% | 68.7%-16.3pp | 76.5%-24.1pp | 69.5%-17.2pp |
| Annual return | 23.93% | 530.19%-506.3pp | 176.29%-152.4pp | 73.15%-49.2pp |
| Employer contribution / active EE | $1,289 | $2,471-47.8% | $3,680-65.0% | $2,343-45.0% |
| Participant deferral / active EE | $1,654 | $2,854-42.0% | $3,897-57.6% | $3,332-50.4% |
| Admin fee / account holder | $528 | $3,841-86.2% | $5,194-89.8% | $4,645-88.6% |