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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 | $19,032 | $106,749-82.2% | $145,433-86.9% | $82,448-76.9% |
| Participation rate | 66.0% | 75.6%-9.7pp | 82.1%-16.2pp | 68.1%-2.1pp |
| Annual return | 19.26% | 27.59%-8.3pp | 66.58%-47.3pp | 41.64%-22.4pp |
| Employer contribution / active EE | $1,895 | $3,444-45.0% | $4,554-58.4% | $2,551-25.7% |
| Participant deferral / active EE | $3,081 | $6,519-52.7% | $7,897-61.0% | $4,139-25.6% |
| Admin fee / account holder | $792 | $8,390-90.6% | $13,129-94.0% | $7,234-89.0% |