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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 | $13,678 | $131,835-89.6% | $108,582-87.4% | $273,970-95.0% |
| Participation rate | 52.4% | 83.5%-31.1pp | 79.6%-27.2pp | 83.0%-30.6pp |
| Annual return | 7.09% | -91.57%+98.7pp | -51.70%+58.8pp | 41.46%-34.4pp |
| Employer contribution / active EE | $1,078 | $4,913-78.1% | $3,758-71.3% | $4,869-77.9% |
| Participant deferral / active EE | $3,967 | $5,127-22.6% | $4,311-8.0% | $5,287-25.0% |
| Admin fee / account holder | $493 | $10,253-95.2% | $7,645-93.5% | $10,132-95.1% |