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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 | $7,931 | $41,016-80.7% | $152,093-94.8% | $64,097-87.6% |
| Participation rate | 52.4% | 51.3%+1.0pp | 77.8%-25.4pp | 55.2%-2.8pp |
| Annual return | 15.68% | 39.60%-23.9pp | 66.36%-50.7pp | 34.64%-19.0pp |
| Employer contribution / active EE | $447 | $1,342-66.7% | $4,175-89.3% | $1,891-76.4% |
| Participant deferral / active EE | $1,016 | $1,927-47.3% | $5,451-81.4% | $3,080-67.0% |
| Admin fee / account holder | $461 | $2,305-80.0% | $14,497-96.8% | $3,454-86.6% |