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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 | $7,410 | $52,519-85.9% | $155,789-95.2% | $59,633-87.6% |
| Participation rate | 24.7% | 61.7%-37.0pp | 76.1%-51.4pp | 68.7%-44.0pp |
| Annual return | -2.60% | 53.51%-56.1pp | 71.54%-74.1pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $641 | $1,589-59.7% | $3,839-83.3% | $2,203-70.9% |
| Participant deferral / active EE | $1,302 | $3,084-57.8% | $4,798-72.9% | $3,192-59.2% |
| Admin fee / account holder | $1,915 | $3,540-45.9% | $7,477-74.4% | $4,297-55.4% |