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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 | $7,119 | $47,479-85.0% | $62,929-88.7% | $82,448-91.4% |
| Participation rate | 47.1% | 66.9%-19.8pp | 73.1%-26.1pp | 68.1%-21.0pp |
| Annual return | 27.70% | 20.34%+7.4pp | 1063.93%-1036.2pp | 41.64%-13.9pp |
| Employer contribution / active EE | $899 | $1,885-52.3% | $2,505-64.1% | $2,551-64.8% |
| Participant deferral / active EE | $1,796 | $2,870-37.4% | $3,888-53.8% | $4,139-56.6% |
| Admin fee / account holder | $1,153 | $3,804-69.7% | $5,065-77.2% | $7,234-84.1% |