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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 | $18,275 | $77,816-76.5% | $123,552-85.2% | $64,173-71.5% |
| Participation rate | 54.0% | 74.7%-20.7pp | 82.3%-28.3pp | 69.6%-15.6pp |
| Annual return | -3.41% | 12.49%-15.9pp | 119.20%-122.6pp | 7.63%-11.0pp |
| Employer contribution / active EE | $1,636 | $3,014-45.7% | $4,628-64.6% | $2,381-31.3% |
| Participant deferral / active EE | $3,270 | $5,240-37.6% | $6,426-49.1% | $3,470-5.8% |
| Admin fee / account holder | $1,124 | $5,519-79.6% | $9,285-87.9% | $4,887-77.0% |