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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 | $18,946 | $80,753-76.5% | $136,298-86.1% | $62,293-69.6% |
| Participation rate | 30.5% | 73.5%-43.0pp | 81.9%-51.4pp | 69.5%-39.0pp |
| Annual return | 63.85% | 35.83%+28.0pp | 5156.27%-5092.4pp | 28.90%+35.0pp |
| Employer contribution / active EE | $1,650 | $2,884-42.8% | $4,696-64.9% | $2,042-19.2% |
| Participant deferral / active EE | $3,020 | $5,164-41.5% | $6,247-51.7% | $3,169-4.7% |
| Admin fee / account holder | $3,318 | $525+531.6% | $9,244-64.1% | $479+592.3% |