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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 | $15,603 | $64,324-75.7% | $118,914-86.9% | $79,856-80.5% |
| Participation rate | 51.4% | 64.9%-13.5pp | 75.4%-24.1pp | 69.6%-18.3pp |
| Annual return | 15.57% | 86.45%-70.9pp | 35.89%-20.3pp | 31.71%-16.1pp |
| Employer contribution / active EE | $495 | $1,836-73.1% | $3,264-84.8% | $2,471-80.0% |
| Participant deferral / active EE | $1,419 | $2,824-49.8% | $4,266-66.7% | $3,741-62.1% |
| Admin fee / account holder | $3,098 | $4,040-23.3% | $6,582-52.9% | $5,306-41.6% |