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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 | $7,445 | $56,484-86.8% | $169,452-95.6% | $64,173-88.4% |
| Participation rate | 30.0% | 64.5%-34.5pp | 77.8%-47.8pp | 69.6%-39.6pp |
| Annual return | -0.21% | -1.55%+1.3pp | 1.83%-2.0pp | 7.63%-7.8pp |
| Employer contribution / active EE | $333 | $1,832-81.8% | $4,157-92.0% | $2,381-86.0% |
| Participant deferral / active EE | $1,420 | $3,448-58.8% | $5,277-73.1% | $3,470-59.1% |
| Admin fee / account holder | $821 | $4,174-80.3% | $9,110-91.0% | $4,887-83.2% |