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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 | $19,694 | $98,760-80.1% | $149,715-86.8% | $79,858-75.3% |
| Participation rate | 49.2% | 75.8%-26.6pp | 82.5%-33.3pp | 69.6%-20.4pp |
| Annual return | 30.35% | 27.43%+2.9pp | 276.66%-246.3pp | 31.72%-1.4pp |
| Employer contribution / active EE | $1,694 | $3,217-47.3% | $4,645-63.5% | $2,471-31.4% |
| Participant deferral / active EE | $3,192 | $5,681-43.8% | $6,842-53.3% | $3,740-14.6% |
| Admin fee / account holder | $1,942 | $6,053-67.9% | $9,310-79.1% | $5,306-63.4% |