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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 | $12,350 | $81,446-84.8% | $103,374-88.1% | $80,874-84.7% |
| Participation rate | 52.0% | 66.9%-14.9pp | 74.5%-22.5pp | 67.6%-15.6pp |
| Annual return | 15.96% | 25.57%-9.6pp | 24.89%-8.9pp | 35.62%-19.7pp |
| Employer contribution / active EE | $997 | $3,107-67.9% | $3,869-74.2% | $2,756-63.8% |
| Participant deferral / active EE | $3,141 | $3,870-18.8% | $5,058-37.9% | $4,297-26.9% |
| Admin fee / account holder | $886 | $6,715-86.8% | $8,394-89.4% | $6,935-87.2% |