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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 | $17,080 | $72,269-76.4% | $101,271-83.1% | $79,852-78.6% |
| Participation rate | 38.5% | 68.5%-30.0pp | 75.8%-37.3pp | 69.6%-31.2pp |
| Annual return | 20.30% | 22.29%-2.0pp | 46.48%-26.2pp | 31.72%-11.4pp |
| Employer contribution / active EE | $868 | $2,692-67.7% | $3,660-76.3% | $2,471-64.9% |
| Participant deferral / active EE | $1,741 | $3,282-47.0% | $4,371-60.2% | $3,740-53.5% |
| Admin fee / account holder | $2,849 | $4,401-35.3% | $5,948-52.1% | $5,306-46.3% |