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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 | $18,019 | $77,817-76.8% | $123,553-85.4% | $64,173-71.9% |
| Participation rate | 63.9% | 74.7%-10.8pp | 82.3%-18.4pp | 69.6%-5.7pp |
| Annual return | -7.94% | 12.49%-20.4pp | 119.21%-127.1pp | 7.63%-15.6pp |
| Employer contribution / active EE | $1,274 | $3,014-57.7% | $4,628-72.5% | $2,381-46.5% |
| Participant deferral / active EE | $4,900 | $5,240-6.5% | $6,426-23.7% | $3,470+41.2% |
| Admin fee / account holder | $1,440 | $5,519-73.9% | $9,284-84.5% | $4,887-70.5% |