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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 | $24,026 | $81,870-70.7% | $119,622-79.9% | $68,486-64.9% |
| Participation rate | 56.7% | 71.9%-15.2pp | 79.3%-22.5pp | 67.9%-11.2pp |
| Annual return | -5.41% | -23.82%+18.4pp | -14.98%+9.6pp | -7.85%+2.4pp |
| Employer contribution / active EE | $2,620 | $2,692-2.7% | $4,232-38.1% | $2,597+0.9% |
| Participant deferral / active EE | $3,827 | $4,148-7.7% | $5,601-31.7% | $4,028-5.0% |
| Admin fee / account holder | $1,235 | $6,583-81.2% | $10,328-88.0% | $5,404-77.1% |