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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 | $12,635 | $71,197-82.3% | $93,669-86.5% | $80,925-84.4% |
| Participation rate | 29.7% | 60.4%-30.7pp | 68.7%-39.0pp | 67.7%-37.9pp |
| Annual return | 15.32% | 11.27%+4.0pp | 133.59%-118.3pp | 35.65%-20.3pp |
| Employer contribution / active EE | $608 | $1,565-61.1% | $2,424-74.9% | $2,756-77.9% |
| Participant deferral / active EE | $1,418 | $4,036-64.9% | $4,416-67.9% | $4,299-67.0% |
| Admin fee / account holder | $2,985 | $6,959-57.1% | $8,291-64.0% | $6,940-57.0% |