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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 | $19,148 | $83,485-77.1% | $125,192-84.7% | $72,975-73.8% |
| Participation rate | 63.8% | 73.3%-9.5pp | 79.8%-16.0pp | 69.5%-5.7pp |
| Annual return | 55.28% | 25.77%+29.5pp | 43.79%+11.5pp | 81.01%-25.7pp |
| Employer contribution / active EE | $769 | $2,346-67.2% | $3,866-80.1% | $2,440-68.5% |
| Participant deferral / active EE | $3,189 | $3,586-11.1% | $4,937-35.4% | $3,608-11.6% |
| Admin fee / account holder | $545 | $5,518-90.1% | $9,704-94.4% | $5,124-89.4% |