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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 | $13,174 | $53,128-75.2% | $86,582-84.8% | $70,126-81.2% |
| Participation rate | 68.8% | 65.3%+3.4pp | 73.5%-4.8pp | 69.5%-0.8pp |
| Annual return | 20.04% | 27.66%-7.6pp | 965.08%-945.0pp | 73.15%-53.1pp |
| Employer contribution / active EE | $1,337 | $2,068-35.3% | $2,839-52.9% | $2,343-42.9% |
| Participant deferral / active EE | $2,709 | $2,695+0.5% | $3,609-24.9% | $3,332-18.7% |
| Admin fee / account holder | $1,114 | $3,584-68.9% | $4,904-77.3% | $4,645-76.0% |