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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 | $14,095 | $98,766-85.7% | $149,730-90.6% | $79,852-82.3% |
| Participation rate | 48.3% | 75.8%-27.5pp | 82.5%-34.2pp | 69.6%-21.4pp |
| Annual return | 35.75% | 27.43%+8.3pp | 276.70%-241.0pp | 31.72%+4.0pp |
| Employer contribution / active EE | $1,511 | $3,217-53.0% | $4,645-67.5% | $2,471-38.9% |
| Participant deferral / active EE | $2,869 | $5,681-49.5% | $6,843-58.1% | $3,740-23.3% |
| Admin fee / account holder | $2,324 | $6,052-61.6% | $9,310-75.0% | $5,306-56.2% |