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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 | $16,739 | $93,345-82.1% | $119,126-85.9% | $87,485-80.9% |
| Participation rate | 44.4% | 68.7%-24.3pp | 75.8%-31.3pp | 68.9%-24.5pp |
| Annual return | 21.30% | 19.08%+2.2pp | 282.11%-260.8pp | 26.06%-4.8pp |
| Employer contribution / active EE | $1,139 | $3,172-64.1% | $4,034-71.8% | $2,596-56.1% |
| Participant deferral / active EE | $2,406 | $4,099-41.3% | $5,318-54.8% | $4,274-43.7% |
| Admin fee / account holder | $3,786 | $8,039-52.9% | $10,693-64.6% | $7,775-51.3% |