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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 | $6,892 | $81,276-91.5% | $155,574-95.6% | $80,925-91.5% |
| Participation rate | 56.8% | 66.2%-9.5pp | 78.2%-21.5pp | 67.7%-10.9pp |
| Annual return | 15.94% | 33.36%-17.4pp | 64.87%-48.9pp | 35.65%-19.7pp |
| Employer contribution / active EE | $568 | $3,103-81.7% | $4,676-87.9% | $2,756-79.4% |
| Participant deferral / active EE | $1,145 | $3,453-66.8% | $5,629-79.7% | $4,299-73.4% |
| Admin fee / account holder | $367 | $7,993-95.4% | $15,914-97.7% | $6,940-94.7% |