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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 | $17,900 | $103,387-82.7% | $87,102-79.4% | $152,885-88.3% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.9%-10.2pp | 82.5%-15.8pp |
| Annual return | 22.83% | 28.10%-5.3pp | 28.19%-5.4pp | 345.39%-322.6pp |
| Employer contribution / active EE | $1,049 | $3,221-67.4% | $2,521-58.4% | $4,763-78.0% |
| Participant deferral / active EE | $3,512 | $4,778-26.5% | $4,048-13.2% | $5,851-40.0% |
| Admin fee / account holder | $2,733 | $12,193-77.6% | $7,491-63.5% | $11,598-76.4% |