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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 | $16,645 | $86,949-80.9% | $102,460-83.8% | $80,959-79.4% |
| Participation rate | 30.6% | 72.4%-41.7pp | 76.5%-45.9pp | 67.7%-37.0pp |
| Annual return | 14.75% | 18.89%-4.1pp | 29.47%-14.7pp | 35.67%-20.9pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,901 | $4,121-53.9% | $5,056-62.4% | $4,300-55.8% |
| Admin fee / account holder | $1,710 | $8,048-78.8% | $9,460-81.9% | $6,925-75.3% |