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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 | $29,463 | $86,288-65.9% | $111,306-73.5% | $85,851-65.7% |
| Participation rate | 41.0% | 73.3%-32.4pp | 77.3%-36.3pp | 69.3%-28.3pp |
| Annual return | 17.27% | 19.99%-2.7pp | 54.67%-37.4pp | 318.63%-301.4pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $6,098 | $3,641+67.5% | $4,488+35.9% | $3,952+54.3% |
| Admin fee / account holder | $5,267 | $8,189-35.7% | $7,966-33.9% | $6,261-15.9% |