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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 | $32,370 | $81,494-60.3% | $133,978-75.8% | $73,497-56.0% |
| Participation rate | 63.0% | 76.4%-13.4pp | 79.8%-16.8pp | 70.7%-7.7pp |
| Annual return | 20.90% | 19.40%+1.5pp | 45.10%-24.2pp | 28.51%-7.6pp |
| Employer contribution / active EE | $1,229 | $2,210-44.4% | $3,919-68.6% | $2,270-45.9% |
| Participant deferral / active EE | $2,766 | $3,787-27.0% | $5,047-45.2% | $3,740-26.0% |
| Admin fee / account holder | $1,471 | $713+106.2% | $8,930-83.5% | $513+186.7% |