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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 | $12,891 | $71,878-82.1% | $86,698-85.1% | $68,486-81.2% |
| Participation rate | 63.6% | 72.2%-8.6pp | 76.6%-13.0pp | 67.9%-4.3pp |
| Annual return | -6.89% | 3.53%-10.4pp | 35.95%-42.8pp | -7.85%+1.0pp |
| Employer contribution / active EE | $612 | $2,173-71.8% | $2,837-78.4% | $2,597-76.4% |
| Participant deferral / active EE | $5,127 | $3,779+35.7% | $4,656+10.1% | $4,028+27.3% |
| Admin fee / account holder | $975 | $6,113-84.0% | $7,493-87.0% | $5,404-82.0% |