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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 | $8,428 | $102,385-91.8% | $147,080-94.3% | $80,935-89.6% |
| Participation rate | 50.0% | 75.9%-25.9pp | 82.2%-32.2pp | 67.7%-17.7pp |
| Annual return | 28.85% | 135.09%-106.2pp | 420.17%-391.3pp | 35.66%-6.8pp |
| Employer contribution / active EE | $1,265 | $3,717-66.0% | $4,933-74.4% | $2,757-54.1% |
| Participant deferral / active EE | $2,757 | $6,651-58.5% | $8,066-65.8% | $4,299-35.9% |
| Admin fee / account holder | $1,368 | $7,951-82.8% | $12,989-89.5% | $6,924-80.2% |