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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 | $15,095 | $83,369-81.9% | $105,223-85.7% | $67,986-77.8% |
| Participation rate | 46.3% | 56.3%-9.9pp | 75.0%-28.7pp | 57.2%-10.9pp |
| Annual return | 20.61% | 24.64%-4.0pp | 180.65%-160.0pp | 31.67%-11.1pp |
| Employer contribution / active EE | $1,518 | $2,541-40.3% | $3,689-58.9% | $2,019-24.8% |
| Participant deferral / active EE | $2,878 | $3,295-12.7% | $5,072-43.3% | $3,358-14.3% |
| Admin fee / account holder | $2,058 | $4,073-49.5% | $8,859-76.8% | $3,203-35.8% |