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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 | $27,532 | $86,298-68.1% | $111,308-75.3% | $85,847-67.9% |
| Participation rate | 68.6% | 73.3%-4.8pp | 77.3%-8.7pp | 69.3%-0.7pp |
| Annual return | 12.24% | 19.99%-7.7pp | 54.67%-42.4pp | 318.61%-306.4pp |
| Employer contribution / active EE | $1,850 | $2,044-9.5% | $2,732-32.3% | $2,565-27.9% |
| Participant deferral / active EE | $4,144 | $3,641+13.8% | $4,487-7.7% | $3,952+4.9% |
| Admin fee / account holder | $645 | $8,189-92.1% | $7,965-91.9% | $6,261-89.7% |