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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 | $23,172 | $102,382-77.4% | $147,005-84.2% | $80,874-71.3% |
| Participation rate | 39.5% | 75.8%-36.4pp | 82.2%-42.7pp | 67.6%-28.2pp |
| Annual return | 16.28% | 134.89%-118.6pp | 418.76%-402.5pp | 35.62%-19.3pp |
| Employer contribution / active EE | $2,369 | $3,715-36.2% | $4,934-52.0% | $2,756-14.0% |
| Participant deferral / active EE | $3,176 | $6,646-52.2% | $8,070-60.6% | $4,297-26.1% |
| Admin fee / account holder | $6,297 | $7,942-20.7% | $13,006-51.6% | $6,935-9.2% |