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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 | $15,486 | $56,339-72.5% | $104,301-85.2% | $68,486-77.4% |
| Participation rate | 31.1% | 63.3%-32.1pp | 73.3%-42.1pp | 67.9%-36.7pp |
| Annual return | -18.94% | -9.19%-9.7pp | 24.61%-43.6pp | -7.85%-11.1pp |
| Employer contribution / active EE | $616 | $1,960-68.6% | $3,373-81.7% | $2,597-76.3% |
| Participant deferral / active EE | $1,532 | $3,077-50.2% | $4,626-66.9% | $4,028-62.0% |
| Admin fee / account holder | $2,746 | $4,902-44.0% | $7,340-62.6% | $5,404-49.2% |