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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 | $12,028 | $71,878-83.3% | $86,698-86.1% | $68,486-82.4% |
| Participation rate | 54.2% | 72.2%-18.1pp | 76.6%-22.4pp | 67.9%-13.7pp |
| Annual return | -17.21% | 3.53%-20.7pp | 35.95%-53.2pp | -7.85%-9.4pp |
| Employer contribution / active EE | $1,506 | $2,173-30.7% | $2,837-46.9% | $2,597-42.0% |
| Participant deferral / active EE | $3,803 | $3,779+0.6% | $4,656-18.3% | $4,028-5.6% |
| Admin fee / account holder | $1,972 | $6,113-67.7% | $7,493-73.7% | $5,404-63.5% |