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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 | $25,943 | $101,798-74.5% | $165,071-84.3% | $80,935-67.9% |
| Participation rate | 52.0% | 71.8%-19.8pp | 78.6%-26.6pp | 67.7%-15.7pp |
| Annual return | 14.59% | 16.73%-2.1pp | 70.17%-55.6pp | 35.66%-21.1pp |
| Employer contribution / active EE | $1,663 | $2,954-43.7% | $4,347-61.7% | $2,757-39.7% |
| Participant deferral / active EE | $4,289 | $4,476-4.2% | $6,035-28.9% | $4,299-0.2% |
| Admin fee / account holder | $991 | $8,221-87.9% | $12,695-92.2% | $6,924-85.7% |