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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 | $14,127 | $138,385-89.8% | $184,243-92.3% | $80,925-82.5% |
| Participation rate | 31.3% | 83.9%-52.6pp | 86.8%-55.6pp | 67.7%-36.4pp |
| Annual return | 15.32% | 20.02%-4.7pp | 28.82%-13.5pp | 35.65%-20.3pp |
| Employer contribution / active EE | $2,328 | $4,851-52.0% | $6,427-63.8% | $2,756-15.5% |
| Participant deferral / active EE | $3,408 | $7,075-51.8% | $9,132-62.7% | $4,299-20.7% |
| Admin fee / account holder | $818 | $10,489-92.2% | $13,914-94.1% | $6,940-88.2% |