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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 | $10,880 | $43,075-74.7% | $74,577-85.4% | $62,881-82.7% |
| Participation rate | 39.4% | 58.1%-18.6pp | 68.1%-28.7pp | 69.3%-29.9pp |
| Annual return | 10.70% | 17.50%-6.8pp | 20.47%-9.8pp | 20.14%-9.4pp |
| Employer contribution / active EE | $1,025 | $1,498-31.6% | $2,525-59.4% | $2,281-55.1% |
| Participant deferral / active EE | $1,762 | $2,389-26.2% | $3,458-49.0% | $3,203-45.0% |
| Admin fee / account holder | $324 | $2,840-88.6% | $4,138-92.2% | $4,296-92.5% |