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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 | $8,795 | $154,159-94.3% | $130,026-93.2% | $139,456-93.7% |
| Participation rate | 40.0% | 82.0%-42.0pp | 78.5%-38.5pp | 80.3%-40.3pp |
| Annual return | 18.13% | 32.50%-14.4pp | -137.26%+155.4pp | 373.45%-355.3pp |
| Employer contribution / active EE | $1,186 | $5,292-77.6% | $4,321-72.6% | $4,753-75.0% |
| Participant deferral / active EE | $2,036 | $6,710-69.7% | $5,821-65.0% | $6,711-69.7% |
| Admin fee / account holder | $4,060 | $14,001-71.0% | $10,608-61.7% | $11,407-64.4% |