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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 | $18,116 | $82,674-78.1% | $125,381-85.6% | $68,486-73.5% |
| Participation rate | 46.7% | 75.1%-28.4pp | 82.4%-35.7pp | 67.9%-21.2pp |
| Annual return | -17.11% | -5.97%-11.1pp | 572.31%-589.4pp | -7.85%-9.3pp |
| Employer contribution / active EE | $1,469 | $3,382-56.6% | $4,815-69.5% | $2,597-43.4% |
| Participant deferral / active EE | $3,869 | $6,111-36.7% | $7,448-48.1% | $4,028-3.9% |
| Admin fee / account holder | $3,177 | $6,277-49.4% | $10,007-68.2% | $5,404-41.2% |