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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 | $17,238 | $58,828-70.7% | $78,002-77.9% | $62,881-72.6% |
| Participation rate | 39.5% | 71.1%-31.5pp | 75.5%-36.0pp | 69.3%-29.8pp |
| Annual return | 8.22% | 17.16%-8.9pp | 425.99%-417.8pp | 20.14%-11.9pp |
| Employer contribution / active EE | $457 | $1,672-72.7% | $2,470-81.5% | $2,281-80.0% |
| Participant deferral / active EE | $1,271 | $2,686-52.7% | $3,497-63.7% | $3,203-60.3% |
| Admin fee / account holder | $378 | $4,393-91.4% | $5,481-93.1% | $4,296-91.2% |