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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 | $3,059 | $43,730-93.0% | $66,674-95.4% | $64,097-95.2% |
| Participation rate | 48.5% | 50.7%-2.3pp | 73.7%-25.2pp | 55.2%-6.7pp |
| Annual return | 21.53% | 53.62%-32.1pp | 321.24%-299.7pp | 34.64%-13.1pp |
| Employer contribution / active EE | $0 | $1,673-100.0% | $2,620-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $603 | $2,122-71.6% | $4,084-85.2% | $3,080-80.4% |
| Admin fee / account holder | $446 | $2,708-83.5% | $5,098-91.2% | $3,454-87.1% |