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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 | $10,059 | $65,041-84.5% | $90,965-88.9% | $79,858-87.4% |
| Participation rate | 55.0% | 61.6%-6.6pp | 69.0%-14.0pp | 69.6%-14.6pp |
| Annual return | 21.04% | 30.45%-9.4pp | 134.57%-113.5pp | 31.72%-10.7pp |
| Employer contribution / active EE | $865 | $1,247-30.6% | $2,122-59.2% | $2,471-65.0% |
| Participant deferral / active EE | $1,291 | $2,512-48.6% | $3,373-61.7% | $3,740-65.5% |
| Admin fee / account holder | $518 | $4,536-88.6% | $5,960-91.3% | $5,306-90.2% |