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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 | $26,971 | $77,569-65.2% | $115,599-76.7% | $64,097-57.9% |
| Participation rate | 53.7% | 60.7%-7.0pp | 74.3%-20.6pp | 55.2%-1.5pp |
| Annual return | 14.51% | 18.52%-4.0pp | 111.10%-96.6pp | 34.64%-20.1pp |
| Employer contribution / active EE | $0 | $1,915-100.0% | $2,955-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,335 | $3,327-29.8% | $4,889-52.2% | $3,080-24.2% |
| Admin fee / account holder | $1,320 | $4,470-70.5% | $12,841-89.7% | $3,454-61.8% |