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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 | $5,057 | $58,627-91.4% | $76,735-93.4% | $82,448-93.9% |
| Participation rate | 59.3% | 63.2%-4.0pp | 69.5%-10.2pp | 68.1%-8.8pp |
| Annual return | 23.92% | 39.10%-15.2pp | 29.77%-5.8pp | 41.64%-17.7pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,122 | $3,134-64.2% | $4,088-72.6% | $4,139-72.9% |
| Admin fee / account holder | $390 | $5,323-92.7% | $7,189-94.6% | $7,234-94.6% |