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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 | $8,144 | $65,555-87.6% | $86,216-90.6% | $75,173-89.2% |
| Participation rate | 57.8% | 60.5%-2.7pp | 69.0%-11.2pp | 67.2%-9.4pp |
| Annual return | 16.32% | 46.07%-29.8pp | 1169.42%-1153.1pp | 160.72%-144.4pp |
| Employer contribution / active EE | $1,202 | $1,553-22.6% | $2,382-49.5% | $2,671-55.0% |
| Participant deferral / active EE | $2,358 | $3,023-22.0% | $3,986-40.8% | $4,126-42.8% |
| Admin fee / account holder | $698 | $5,469-87.2% | $6,853-89.8% | $5,651-87.6% |