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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 | $3,136 | $56,484-94.4% | $169,452-98.1% | $64,173-95.1% |
| Participation rate | 41.9% | 64.5%-22.6pp | 77.8%-35.8pp | 69.6%-27.6pp |
| Annual return | 0.00% | -1.55%+1.6pp | 1.83%-1.8pp | 7.63%-7.6pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $4,157-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,593 | $3,448-53.8% | $5,277-69.8% | $3,470-54.1% |
| Admin fee / account holder | $387 | $4,174-90.7% | $9,110-95.8% | $4,887-92.1% |