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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 | $14,925 | $76,367-80.5% | $93,614-84.1% | $72,983-79.6% |
| Participation rate | 44.4% | 71.7%-27.3pp | 75.8%-31.4pp | 69.5%-25.0pp |
| Annual return | 26.60% | 25.82%+0.8pp | 32.76%-6.2pp | 81.01%-54.4pp |
| Employer contribution / active EE | $0 | $2,275-100.0% | $2,718-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,291 | $3,538+77.8% | $4,069+54.6% | $3,608+74.4% |
| Admin fee / account holder | $10,849 | $6,838+58.7% | $7,889+37.5% | $5,124+111.7% |