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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 | $17,617 | $67,602-73.9% | $82,312-78.6% | $70,126-74.9% |
| Participation rate | 61.8% | 72.8%-11.0pp | 76.9%-15.1pp | 69.5%-7.7pp |
| Annual return | 18.66% | 21.57%-2.9pp | 25.88%-7.2pp | 73.15%-54.5pp |
| Employer contribution / active EE | $1,342 | $1,755-23.5% | $2,428-44.7% | $2,343-42.7% |
| Participant deferral / active EE | $2,082 | $2,987-30.3% | $3,706-43.8% | $3,332-37.5% |
| Admin fee / account holder | $1,237 | $4,512-72.6% | $5,608-77.9% | $4,645-73.4% |