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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 | $17,918 | $63,314-71.7% | $91,004-80.3% | $62,293-71.2% |
| Participation rate | 38.8% | 73.3%-34.6pp | 75.6%-36.8pp | 69.5%-30.8pp |
| Annual return | 26.17% | 21.00%+5.2pp | 4.60%+21.6pp | 28.90%-2.7pp |
| Employer contribution / active EE | $671 | $1,807-62.9% | $2,456-72.7% | $2,042-67.2% |
| Participant deferral / active EE | $1,418 | $2,944-51.8% | $3,548-60.0% | $3,169-55.2% |
| Admin fee / account holder | $1,205 | $468+157.7% | $5,417-77.8% | $479+151.3% |