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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 | $7,712 | $61,125-87.4% | $94,057-91.8% | $87,485-91.2% |
| Participation rate | 30.5% | 64.1%-33.6pp | 73.3%-42.9pp | 68.9%-38.4pp |
| Annual return | 18.19% | 35.20%-17.0pp | 480.62%-462.4pp | 26.06%-7.9pp |
| Employer contribution / active EE | $359 | $2,136-83.2% | $2,933-87.8% | $2,596-86.2% |
| Participant deferral / active EE | $813 | $3,260-75.1% | $4,709-82.7% | $4,274-81.0% |
| Admin fee / account holder | $805 | $5,629-85.7% | $7,244-88.9% | $7,775-89.7% |