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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 | $27,604 | $91,559-69.9% | $133,978-79.4% | $79,856-65.4% |
| Participation rate | 46.3% | 73.3%-27.0pp | 79.8%-33.5pp | 69.6%-23.3pp |
| Annual return | 15.34% | 61.85%-46.5pp | 45.10%-29.8pp | 31.71%-16.4pp |
| Employer contribution / active EE | $1,150 | $2,384-51.8% | $3,919-70.7% | $2,471-53.5% |
| Participant deferral / active EE | $2,131 | $3,734-42.9% | $5,047-57.8% | $3,741-43.0% |
| Admin fee / account holder | $1,026 | $6,321-83.8% | $8,930-88.5% | $5,306-80.7% |