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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 | $17,792 | $81,504-78.2% | $102,437-82.6% | $80,959-78.0% |
| Participation rate | 59.5% | 66.9%-7.3pp | 74.5%-15.0pp | 67.7%-8.1pp |
| Annual return | 13.35% | 25.60%-12.2pp | 24.95%-11.6pp | 35.67%-22.3pp |
| Employer contribution / active EE | $1,269 | $3,104-59.1% | $3,871-67.2% | $2,757-54.0% |
| Participant deferral / active EE | $2,604 | $3,871-32.7% | $5,060-48.5% | $4,300-39.4% |
| Admin fee / account holder | $1,519 | $6,719-77.4% | $8,388-81.9% | $6,925-78.1% |