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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 | $19,377 | $99,652-80.6% | $78,778-75.4% | $147,586-86.9% |
| Participation rate | 68.4% | 76.2%-7.8pp | 69.2%-0.8pp | 82.8%-14.4pp |
| Annual return | 12.46% | 47.28%-34.8pp | 35.62%-23.2pp | 578.59%-566.1pp |
| Employer contribution / active EE | $524 | $2,796-81.3% | $1,986-73.6% | $4,876-89.3% |
| Participant deferral / active EE | $2,616 | $3,664-28.6% | $2,958-11.6% | $5,439-51.9% |
| Admin fee / account holder | $6,589 | $7,155-7.9% | $5,134+28.3% | $10,886-39.5% |