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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 | $19,190 | $72,486-73.5% | $87,103-78.0% | $72,976-73.7% |
| Participation rate | 65.0% | 72.8%-7.8pp | 76.9%-11.9pp | 69.5%-4.5pp |
| Annual return | 46.86% | 24.46%+22.4pp | 28.19%+18.7pp | 81.02%-34.2pp |
| Employer contribution / active EE | $1,211 | $1,894-36.1% | $2,521-52.0% | $2,440-50.4% |
| Participant deferral / active EE | $2,763 | $3,270-15.5% | $4,049-31.8% | $3,608-23.4% |
| Admin fee / account holder | $427 | $5,055-91.6% | $7,491-94.3% | $5,124-91.7% |