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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 | $11,570 | $81,487-85.8% | $102,412-88.7% | $80,935-85.7% |
| Participation rate | 42.9% | 66.8%-24.0pp | 74.5%-31.6pp | 67.7%-24.8pp |
| Annual return | 32.25% | 25.60%+6.7pp | 24.94%+7.3pp | 35.66%-3.4pp |
| Employer contribution / active EE | $1,060 | $3,103-65.8% | $3,870-72.6% | $2,757-61.6% |
| Participant deferral / active EE | $2,239 | $3,871-42.2% | $5,060-55.8% | $4,299-47.9% |
| Admin fee / account holder | $3,098 | $6,717-53.9% | $8,388-63.1% | $6,924-55.3% |