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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 | $27,632 | $87,132-68.3% | $105,624-73.8% | $80,959-65.9% |
| Participation rate | 48.1% | 70.4%-22.3pp | 75.3%-27.1pp | 67.7%-19.5pp |
| Annual return | 16.73% | 17.03%-0.3pp | 116.20%-99.5pp | 35.67%-18.9pp |
| Employer contribution / active EE | $809 | $2,397-66.2% | $3,168-74.5% | $2,757-70.7% |
| Participant deferral / active EE | $3,446 | $3,985-13.5% | $5,013-31.3% | $4,300-19.9% |
| Admin fee / account holder | $5,790 | $8,449-31.5% | $10,961-47.2% | $6,925-16.4% |