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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 | $35,126 | $80,705-56.5% | $115,768-69.7% | $67,986-48.3% |
| Participation rate | 42.5% | 63.0%-20.5pp | 74.4%-31.9pp | 57.2%-14.7pp |
| Annual return | 20.08% | 18.49%+1.6pp | 100.46%-80.4pp | 31.67%-11.6pp |
| Employer contribution / active EE | $1,732 | $2,046-15.4% | $2,940-41.1% | $2,019-14.2% |
| Participant deferral / active EE | $3,905 | $3,559+9.7% | $4,917-20.6% | $3,358+16.3% |
| Admin fee / account holder | $5,697 | $4,135+37.8% | $12,439-54.2% | $3,203+77.9% |