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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 | $20,170 | $86,949-76.8% | $102,460-80.3% | $80,959-75.1% |
| Participation rate | 31.3% | 72.4%-41.1pp | 76.5%-45.3pp | 67.7%-36.4pp |
| Annual return | 14.26% | 18.89%-4.6pp | 29.47%-15.2pp | 35.67%-21.4pp |
| Employer contribution / active EE | $721 | $2,370-69.6% | $3,025-76.2% | $2,757-73.8% |
| Participant deferral / active EE | $1,932 | $4,121-53.1% | $5,056-61.8% | $4,300-55.1% |
| Admin fee / account holder | $677 | $8,048-91.6% | $9,460-92.8% | $6,925-90.2% |