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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 | $16,023 | $76,551-79.1% | $123,894-87.1% | $62,881-74.5% |
| Participation rate | 60.0% | 73.0%-13.0pp | 81.4%-21.4pp | 69.3%-9.3pp |
| Annual return | 16.18% | 18.68%-2.5pp | 47.52%-31.3pp | 20.14%-4.0pp |
| Employer contribution / active EE | $2,331 | $2,882-19.1% | $4,617-49.5% | $2,281+2.2% |
| Participant deferral / active EE | $5,649 | $4,840+16.7% | $5,984-5.6% | $3,203+76.4% |
| Admin fee / account holder | $566 | $4,826-88.3% | $8,357-93.2% | $4,296-86.8% |