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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 | $10,737 | $76,367-85.9% | $93,614-88.5% | $72,983-85.3% |
| Participation rate | 51.5% | 71.7%-20.2pp | 75.8%-24.3pp | 69.5%-18.0pp |
| Annual return | 25.68% | 25.82%-0.1pp | 32.76%-7.1pp | 81.01%-55.3pp |
| Employer contribution / active EE | $1,249 | $2,275-45.1% | $2,718-54.0% | $2,440-48.8% |
| Participant deferral / active EE | $1,735 | $3,538-51.0% | $4,069-57.4% | $3,608-51.9% |
| Admin fee / account holder | $586 | $6,838-91.4% | $7,889-92.6% | $5,124-88.6% |