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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 | $10,005 | $54,193-81.5% | $93,669-89.3% | $77,714-87.1% |
| Participation rate | 33.0% | 63.9%-30.9pp | 68.7%-35.7pp | 70.6%-37.5pp |
| Annual return | 18.59% | 30.54%-11.9pp | 133.59%-115.0pp | 31.26%-12.7pp |
| Employer contribution / active EE | $725 | $1,168-37.9% | $2,424-70.1% | $2,727-73.4% |
| Participant deferral / active EE | $1,502 | $3,144-52.2% | $4,416-66.0% | $4,649-67.7% |
| Admin fee / account holder | $876 | $576+52.2% | $8,291-89.4% | $433+102.2% |