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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 | $5,072 | $77,901-93.5% | $149,717-96.6% | $75,181-93.3% |
| Participation rate | 56.6% | 65.6%-9.0pp | 78.8%-22.1pp | 67.2%-10.6pp |
| Annual return | 21.70% | 31.73%-10.0pp | 134.41%-112.7pp | 160.69%-139.0pp |
| Employer contribution / active EE | $569 | $3,137-81.9% | $4,820-88.2% | $2,671-78.7% |
| Participant deferral / active EE | $1,070 | $3,411-68.6% | $5,682-81.2% | $4,126-74.1% |
| Admin fee / account holder | $313 | $5,949-94.7% | $13,213-97.6% | $5,650-94.5% |