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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 | $19,199 | $54,541-64.8% | $78,778-75.6% | $70,126-72.6% |
| Participation rate | 60.0% | 60.8%-0.8pp | 69.2%-9.2pp | 69.5%-9.5pp |
| Annual return | 15.58% | 21.07%-5.5pp | 35.62%-20.0pp | 73.15%-57.6pp |
| Employer contribution / active EE | $684 | $1,089-37.1% | $1,986-65.5% | $2,343-70.8% |
| Participant deferral / active EE | $2,249 | $2,210+1.8% | $2,958-24.0% | $3,332-32.5% |
| Admin fee / account holder | $1,747 | $3,709-52.9% | $5,134-66.0% | $4,645-62.4% |