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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 | $18,036 | $55,715-67.6% | $124,206-85.5% | $71,012-74.6% |
| Participation rate | 34.8% | 34.7%+0.1pp | 69.6%-34.8pp | 58.6%-23.8pp |
| Annual return | 19.36% | 73.23%-53.9pp | 515.27%-495.9pp | 37.67%-18.3pp |
| Employer contribution / active EE | $580 | $964-39.9% | $3,540-83.6% | $2,348-75.3% |
| Participant deferral / active EE | $1,127 | $1,833-38.5% | $3,968-71.6% | $3,246-65.3% |
| Admin fee / account holder | $1,939 | $1,481+31.0% | $5,929-67.3% | $1,167+66.2% |