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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 | $34,304 | $155,364-77.9% | $103,065-66.7% | $77,762-55.9% |
| Participation rate | 69.1% | 85.5%-16.4pp | 80.6%-11.4pp | 70.6%-1.4pp |
| Annual return | 29.71% | 19.01%+10.7pp | 23.95%+5.8pp | 31.27%-1.6pp |
| Employer contribution / active EE | $2,523 | $5,949-57.6% | $4,675-46.0% | $2,728-7.5% |
| Participant deferral / active EE | $5,884 | $8,482-30.6% | $6,625-11.2% | $4,651+26.5% |
| Admin fee / account holder | $1,906 | $503+279.2% | $9,349-79.6% | $433+340.2% |