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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 | $9,752 | $53,128-81.6% | $86,581-88.7% | $70,124-86.1% |
| Participation rate | 34.0% | 65.3%-31.3pp | 73.5%-39.5pp | 69.5%-35.5pp |
| Annual return | 18.20% | 27.66%-9.5pp | 965.06%-946.9pp | 73.14%-54.9pp |
| Employer contribution / active EE | $694 | $2,068-66.5% | $2,840-75.6% | $2,342-70.4% |
| Participant deferral / active EE | $1,140 | $2,695-57.7% | $3,609-68.4% | $3,332-65.8% |
| Admin fee / account holder | $1,467 | $3,584-59.1% | $4,904-70.1% | $4,645-68.4% |