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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 | $14,368 | $99,652-85.6% | $78,778-81.8% | $147,586-90.3% |
| Participation rate | 64.3% | 76.2%-11.9pp | 69.2%-4.9pp | 82.8%-18.5pp |
| Annual return | 67.86% | 47.28%+20.6pp | 35.62%+32.2pp | 578.59%-510.7pp |
| Employer contribution / active EE | $3,213 | $2,796+14.9% | $1,986+61.8% | $4,876-34.1% |
| Participant deferral / active EE | $5,668 | $3,664+54.7% | $2,958+91.6% | $5,439+4.2% |
| Admin fee / account holder | $3,303 | $7,155-53.8% | $5,134-35.7% | $10,886-69.7% |