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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 | $5,268 | $81,331-93.5% | $155,534-96.6% | $80,935-93.5% |
| Participation rate | 65.7% | 66.3%-0.6pp | 78.2%-12.5pp | 67.7%-2.0pp |
| Annual return | 12.11% | 33.37%-21.3pp | 64.92%-52.8pp | 35.66%-23.5pp |
| Employer contribution / active EE | $647 | $3,105-79.2% | $4,675-86.2% | $2,757-76.5% |
| Participant deferral / active EE | $969 | $3,454-72.0% | $5,630-82.8% | $4,299-77.5% |
| Admin fee / account holder | $726 | $7,999-90.9% | $15,900-95.4% | $6,924-89.5% |