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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 | $19,903 | $98,766-79.8% | $149,730-86.7% | $79,852-75.1% |
| Participation rate | 55.3% | 75.8%-20.5pp | 82.5%-27.2pp | 69.6%-14.4pp |
| Annual return | 33.58% | 27.43%+6.2pp | 276.70%-243.1pp | 31.72%+1.9pp |
| Employer contribution / active EE | $3,768 | $3,217+17.1% | $4,645-18.9% | $2,471+52.5% |
| Participant deferral / active EE | $2,900 | $5,681-49.0% | $6,843-57.6% | $3,740-22.5% |
| Admin fee / account holder | $549 | $6,052-90.9% | $9,310-94.1% | $5,306-89.7% |