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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 | $12,606 | $54,297-76.8% | $97,032-87.0% | $65,306-80.7% |
| Participation rate | 22.2% | 42.3%-20.1pp | 71.6%-49.3pp | 57.7%-35.5pp |
| Annual return | 15.19% | 21.17%-6.0pp | 35.38%-20.2pp | 21.94%-6.7pp |
| Employer contribution / active EE | $0 | $1,365-100.0% | $2,629-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $460 | $2,259-79.6% | $4,672-90.2% | $2,959-84.5% |
| Admin fee / account holder | $1,368 | $3,744-63.5% | $9,418-85.5% | $3,480-60.7% |