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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 | $20,272 | $93,617-78.3% | $135,982-85.1% | $75,177-73.0% |
| Participation rate | 57.4% | 75.2%-17.8pp | 81.9%-24.5pp | 67.2%-9.8pp |
| Annual return | 17.49% | 30.89%-13.4pp | 68.32%-50.8pp | 160.75%-143.3pp |
| Employer contribution / active EE | $2,856 | $3,538-19.3% | $4,859-41.2% | $2,671+6.9% |
| Participant deferral / active EE | $7,529 | $6,406+17.5% | $7,760-3.0% | $4,126+82.5% |
| Admin fee / account holder | $8,216 | $6,980+17.7% | $10,767-23.7% | $5,651+45.4% |