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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 | $15,421 | $65,703-76.5% | $94,228-83.6% | $59,633-74.1% |
| Participation rate | 28.7% | 72.1%-43.4pp | 78.8%-50.0pp | 68.7%-39.9pp |
| Annual return | -1.80% | 5.22%-7.0pp | 10.68%-12.5pp | 2041.40%-2043.2pp |
| Employer contribution / active EE | $1,114 | $2,021-44.8% | $3,587-68.9% | $2,203-49.4% |
| Participant deferral / active EE | $1,530 | $3,143-51.3% | $4,320-64.6% | $3,192-52.1% |
| Admin fee / account holder | $1,927 | $4,264-54.8% | $6,269-69.3% | $4,297-55.2% |