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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 | $24,157 | $110,137-78.1% | $161,149-85.0% | $82,637-70.8% |
| Participation rate | 59.3% | 72.4%-13.1pp | 78.8%-19.6pp | 68.1%-8.8pp |
| Annual return | 22.01% | 20.69%+1.3pp | 21.16%+0.9pp | 53.51%-31.5pp |
| Employer contribution / active EE | $1,399 | $2,856-51.0% | $4,360-67.9% | $2,552-45.2% |
| Participant deferral / active EE | $2,285 | $4,575-50.0% | $6,153-62.9% | $4,126-44.6% |
| Admin fee / account holder | $1,168 | $9,467-87.7% | $15,194-92.3% | $7,339-84.1% |