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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 | $15,868 | $63,904-75.2% | $89,340-82.2% | $67,986-76.7% |
| Participation rate | 49.4% | 54.3%-4.9pp | 69.6%-20.2pp | 57.2%-7.8pp |
| Annual return | 66.52% | 18.09%+48.4pp | 20.57%+45.9pp | 31.67%+34.9pp |
| Employer contribution / active EE | $1,262 | $1,627-22.4% | $2,231-43.4% | $2,019-37.5% |
| Participant deferral / active EE | $3,555 | $2,691+32.1% | $3,823-7.0% | $3,358+5.9% |
| Admin fee / account holder | $499 | $3,315-84.9% | $6,704-92.6% | $3,203-84.4% |