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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 | $24,716 | $86,940-71.6% | $102,434-75.9% | $80,935-69.5% |
| Participation rate | 63.3% | 72.4%-9.1pp | 76.5%-13.2pp | 67.7%-4.4pp |
| Annual return | 12.44% | 18.89%-6.5pp | 29.46%-17.0pp | 35.66%-23.2pp |
| Employer contribution / active EE | $1,714 | $2,370-27.7% | $3,023-43.3% | $2,757-37.8% |
| Participant deferral / active EE | $3,243 | $4,121-21.3% | $5,055-35.9% | $4,299-24.6% |
| Admin fee / account holder | $1,139 | $8,047-85.8% | $9,462-88.0% | $6,924-83.5% |