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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 | $18,517 | $80,763-77.1% | $102,412-81.9% | $74,459-75.1% |
| Participation rate | 39.9% | 65.7%-25.8pp | 74.5%-34.6pp | 67.2%-27.3pp |
| Annual return | 16.33% | 27.57%-11.2pp | 24.94%-8.6pp | 1369.70%-1353.4pp |
| Employer contribution / active EE | $989 | $3,160-68.7% | $3,870-74.4% | $2,626-62.3% |
| Participant deferral / active EE | $1,923 | $3,862-50.2% | $5,060-62.0% | $4,350-55.8% |
| Admin fee / account holder | $1,376 | $2,371-42.0% | $8,388-83.6% | $1,945-29.2% |