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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 | $16,651 | $78,707-78.8% | $117,861-85.9% | $70,126-76.3% |
| Participation rate | 42.3% | 73.2%-30.9pp | 79.7%-37.4pp | 69.5%-27.2pp |
| Annual return | 25.88% | 23.30%+2.6pp | 335.11%-309.2pp | 73.15%-47.3pp |
| Employer contribution / active EE | $932 | $2,223-58.1% | $3,786-75.4% | $2,343-60.2% |
| Participant deferral / active EE | $2,025 | $3,297-38.6% | $4,482-54.8% | $3,332-39.2% |
| Admin fee / account holder | $1,905 | $5,066-62.4% | $8,021-76.2% | $4,645-59.0% |