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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 | $18,721 | $105,200-82.2% | $159,474-88.3% | $85,847-78.2% |
| Participation rate | 40.6% | 75.8%-35.2pp | 82.8%-42.2pp | 69.3%-28.7pp |
| Annual return | 37.63% | 45.08%-7.4pp | 263.68%-226.0pp | 318.61%-281.0pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,209 | $5,946-29.2% | $7,353-42.8% | $3,952+6.5% |
| Admin fee / account holder | $1,162 | $6,934-83.2% | $10,802-89.2% | $6,261-81.4% |