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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 | $19,055 | $73,009-73.9% | $90,760-79.0% | $68,486-72.2% |
| Participation rate | 36.5% | 70.8%-34.3pp | 75.7%-39.2pp | 67.9%-31.4pp |
| Annual return | -18.13% | -13.81%-4.3pp | -12.16%-6.0pp | -7.85%-10.3pp |
| Employer contribution / active EE | $983 | $2,193-55.2% | $2,922-66.4% | $2,597-62.2% |
| Participant deferral / active EE | $2,031 | $3,626-44.0% | $4,565-55.5% | $4,028-49.6% |
| Admin fee / account holder | $590 | $5,896-90.0% | $8,444-93.0% | $5,404-89.1% |