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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 | $23,590 | $102,385-77.0% | $147,080-84.0% | $80,935-70.9% |
| Participation rate | 48.0% | 75.9%-27.9pp | 82.2%-34.2pp | 67.7%-19.7pp |
| Annual return | 29.10% | 135.09%-106.0pp | 420.17%-391.1pp | 35.66%-6.6pp |
| Employer contribution / active EE | $2,011 | $3,717-45.9% | $4,933-59.2% | $2,757-27.1% |
| Participant deferral / active EE | $3,811 | $6,651-42.7% | $8,066-52.8% | $4,299-11.4% |
| Admin fee / account holder | $1,580 | $7,951-80.1% | $12,989-87.8% | $6,924-77.2% |