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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 | $15,252 | $110,137-86.2% | $161,149-90.5% | $82,637-81.5% |
| Participation rate | 66.7% | 72.4%-5.7pp | 78.8%-12.2pp | 68.1%-1.4pp |
| Annual return | 19.49% | 20.69%-1.2pp | 21.16%-1.7pp | 53.51%-34.0pp |
| Employer contribution / active EE | $1,493 | $2,856-47.7% | $4,360-65.7% | $2,552-41.5% |
| Participant deferral / active EE | $3,041 | $4,575-33.5% | $6,153-50.6% | $4,126-26.3% |
| Admin fee / account holder | $1,584 | $9,467-83.3% | $15,194-89.6% | $7,339-78.4% |