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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 | $29,582 | $110,137-73.1% | $161,149-81.6% | $82,637-64.2% |
| Participation rate | 68.9% | 72.4%-3.5pp | 78.8%-10.0pp | 68.1%+0.8pp |
| Annual return | 27.15% | 20.69%+6.5pp | 21.16%+6.0pp | 53.51%-26.4pp |
| Employer contribution / active EE | $2,028 | $2,856-29.0% | $4,360-53.5% | $2,552-20.5% |
| Participant deferral / active EE | $3,008 | $4,575-34.3% | $6,153-51.1% | $4,126-27.1% |
| Admin fee / account holder | $890 | $9,467-90.6% | $15,194-94.1% | $7,339-87.9% |