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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 | $8,272 | $90,400-90.8% | $186,193-95.6% | $87,485-90.5% |
| Participation rate | 63.2% | 66.2%-3.0pp | 77.1%-14.0pp | 68.9%-5.8pp |
| Annual return | 19.99% | 22.15%-2.2pp | 78.03%-58.0pp | 26.06%-6.1pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,232 | $4,330-48.5% | $6,513-65.7% | $4,274-47.8% |
| Admin fee / account holder | $1,067 | $8,673-87.7% | $11,058-90.4% | $7,775-86.3% |