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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 | $20,480 | $83,485-75.5% | $125,192-83.6% | $72,975-71.9% |
| Participation rate | 44.8% | 73.3%-28.5pp | 79.8%-35.0pp | 69.5%-24.7pp |
| Annual return | 22.02% | 25.77%-3.8pp | 43.79%-21.8pp | 81.01%-59.0pp |
| Employer contribution / active EE | $953 | $2,346-59.4% | $3,866-75.3% | $2,440-60.9% |
| Participant deferral / active EE | $1,981 | $3,586-44.8% | $4,937-59.9% | $3,608-45.1% |
| Admin fee / account holder | $398 | $5,518-92.8% | $9,704-95.9% | $5,124-92.2% |