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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 | $44,131 | $145,431-69.7% | $211,142-79.1% | $87,485-49.6% |
| Participation rate | 50.0% | 84.7%-34.7pp | 87.3%-37.3pp | 68.9%-18.9pp |
| Annual return | 26.89% | 27.21%-0.3pp | 46.84%-19.9pp | 26.06%+0.8pp |
| Employer contribution / active EE | $2,464 | $4,662-47.2% | $6,442-61.8% | $2,596-5.1% |
| Participant deferral / active EE | $3,685 | $6,859-46.3% | $9,284-60.3% | $4,274-13.8% |
| Admin fee / account holder | $1,150 | $17,052-93.3% | $19,076-94.0% | $7,775-85.2% |