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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 | $16,793 | $78,428-78.6% | $95,960-82.5% | $79,852-79.0% |
| Participation rate | 69.4% | 73.5%-4.1pp | 77.1%-7.7pp | 69.6%-0.3pp |
| Annual return | 17.70% | 19.37%-1.7pp | 91.63%-73.9pp | 31.72%-14.0pp |
| Employer contribution / active EE | $2,289 | $1,945+17.7% | $2,541-9.9% | $2,471-7.4% |
| Participant deferral / active EE | $2,769 | $3,440-19.5% | $4,167-33.5% | $3,740-26.0% |
| Admin fee / account holder | $2,393 | $5,622-57.4% | $6,797-64.8% | $5,306-54.9% |