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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 | $16,262 | $72,273-77.5% | $101,275-83.9% | $79,856-79.6% |
| Participation rate | 34.4% | 68.5%-34.1pp | 75.8%-41.4pp | 69.6%-35.3pp |
| Annual return | 32.51% | 22.30%+10.2pp | 46.48%-14.0pp | 31.71%+0.8pp |
| Employer contribution / active EE | $1,113 | $2,691-58.6% | $3,660-69.6% | $2,471-54.9% |
| Participant deferral / active EE | $1,783 | $3,282-45.7% | $4,371-59.2% | $3,741-52.3% |
| Admin fee / account holder | $633 | $4,401-85.6% | $5,948-89.4% | $5,306-88.1% |