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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 | $20,752 | $69,383-70.1% | $101,275-79.5% | $73,497-71.8% |
| Participation rate | 47.4% | 68.4%-21.0pp | 75.8%-28.4pp | 70.7%-23.3pp |
| Annual return | 24.73% | 18.46%+6.3pp | 46.48%-21.8pp | 28.51%-3.8pp |
| Employer contribution / active EE | $1,402 | $2,628-46.6% | $3,660-61.7% | $2,270-38.2% |
| Participant deferral / active EE | $2,779 | $3,301-15.8% | $4,371-36.4% | $3,740-25.7% |
| Admin fee / account holder | $2,235 | $704+217.6% | $5,948-62.4% | $513+335.6% |