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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 | $27,880 | $81,403-65.8% | $147,027-81.0% | $87,485-68.1% |
| Participation rate | 28.6% | 63.4%-34.9pp | 73.7%-45.2pp | 68.9%-40.4pp |
| Annual return | 21.81% | 16.51%+5.3pp | 20.23%+1.6pp | 26.06%-4.2pp |
| Employer contribution / active EE | $640 | $2,205-71.0% | $3,626-82.3% | $2,596-75.3% |
| Participant deferral / active EE | $2,298 | $3,315-30.7% | $4,933-53.4% | $4,274-46.2% |
| Admin fee / account holder | $330 | $6,755-95.1% | $12,223-97.3% | $7,775-95.8% |