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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 | $16,686 | $76,383-78.2% | $121,663-86.3% | $64,340-74.1% |
| Participation rate | 55.4% | 60.4%-5.0pp | 74.5%-19.1pp | 55.2%+0.2pp |
| Annual return | 22.06% | 16.98%+5.1pp | 147.54%-125.5pp | 24.14%-2.1pp |
| Employer contribution / active EE | $1,453 | $1,943-25.2% | $3,020-51.9% | $1,862-22.0% |
| Participant deferral / active EE | $2,000 | $3,149-36.5% | $4,887-59.1% | $2,980-32.9% |
| Admin fee / account holder | $810 | $4,142-80.4% | $14,289-94.3% | $3,703-78.1% |