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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 | $16,387 | $72,273-77.3% | $101,275-83.8% | $79,856-79.5% |
| Participation rate | 55.3% | 68.5%-13.1pp | 75.8%-20.5pp | 69.6%-14.3pp |
| Annual return | 14.39% | 22.30%-7.9pp | 46.48%-32.1pp | 31.71%-17.3pp |
| Employer contribution / active EE | $1,186 | $2,691-55.9% | $3,660-67.6% | $2,471-52.0% |
| Participant deferral / active EE | $1,813 | $3,282-44.8% | $4,371-58.5% | $3,741-51.5% |
| Admin fee / account holder | $1,813 | $4,401-58.8% | $5,948-69.5% | $5,306-65.8% |