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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 | $22,298 | $79,223-71.9% | $102,460-78.2% | $74,478-70.1% |
| Participation rate | 33.3% | 74.8%-41.4pp | 76.5%-43.2pp | 67.2%-33.9pp |
| Annual return | 15.19% | 54.98%-39.8pp | 29.47%-14.3pp | 1370.56%-1355.4pp |
| Employer contribution / active EE | $1,282 | $2,363-45.7% | $3,025-57.6% | $2,626-51.2% |
| Participant deferral / active EE | $2,276 | $4,417-48.5% | $5,056-55.0% | $4,350-47.7% |
| Admin fee / account holder | $3,425 | $2,003+71.0% | $9,460-63.8% | $1,946+76.0% |