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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 | $12,195 | $105,284-88.4% | $150,734-91.9% | $94,015-87.0% |
| Participation rate | 45.5% | 71.7%-26.3pp | 78.4%-33.0pp | 70.8%-25.4pp |
| Annual return | 17.63% | 15.67%+2.0pp | 600.81%-583.2pp | 17.84%-0.2pp |
| Employer contribution / active EE | $1,005 | $3,599-72.1% | $4,918-79.6% | $2,790-64.0% |
| Participant deferral / active EE | $2,115 | $4,274-50.5% | $5,610-62.3% | $4,249-50.2% |
| Admin fee / account holder | $300 | $9,839-96.9% | $14,905-98.0% | $8,951-96.6% |