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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 | $12,604 | $76,551-83.5% | $123,894-89.8% | $62,881-80.0% |
| Participation rate | 60.6% | 73.0%-12.4pp | 81.4%-20.8pp | 69.3%-8.7pp |
| Annual return | 9.60% | 18.68%-9.1pp | 47.52%-37.9pp | 20.14%-10.5pp |
| Employer contribution / active EE | $1,705 | $2,882-40.8% | $4,617-63.1% | $2,281-25.2% |
| Participant deferral / active EE | $3,143 | $4,840-35.1% | $5,984-47.5% | $3,203-1.9% |
| Admin fee / account holder | $2,120 | $4,826-56.1% | $8,357-74.6% | $4,296-50.6% |