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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 | $9,577 | $73,988-87.1% | $96,538-90.1% | $75,177-87.3% |
| Participation rate | 29.8% | 66.4%-36.6pp | 74.3%-44.5pp | 67.2%-37.4pp |
| Annual return | 39.34% | 26.73%+12.6pp | 35.74%+3.6pp | 160.75%-121.4pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,590 | $3,660-56.6% | $4,880-67.4% | $4,126-61.5% |
| Admin fee / account holder | $502 | $5,220-90.4% | $6,737-92.6% | $5,651-91.1% |