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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 | $19,578 | $95,453-79.5% | $112,040-82.5% | $82,448-76.3% |
| Participation rate | 36.6% | 72.8%-36.2pp | 76.5%-39.9pp | 68.1%-31.5pp |
| Annual return | 25.23% | 23.92%+1.3pp | 24.52%+0.7pp | 41.64%-16.4pp |
| Employer contribution / active EE | $1,346 | $2,318-41.9% | $2,954-54.4% | $2,551-47.2% |
| Participant deferral / active EE | $2,254 | $4,224-46.6% | $5,098-55.8% | $4,139-45.5% |
| Admin fee / account holder | $5,522 | $9,013-38.7% | $12,098-54.4% | $7,234-23.7% |