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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 | $20,995 | $71,872-70.8% | $86,691-75.8% | $68,495-69.3% |
| Participation rate | 22.9% | 72.2%-49.3pp | 76.6%-53.7pp | 67.9%-45.0pp |
| Annual return | -18.27% | 3.53%-21.8pp | 35.94%-54.2pp | -7.84%-10.4pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,137 | $3,779-43.5% | $4,656-54.1% | $4,028-46.9% |
| Admin fee / account holder | $376 | $6,112-93.8% | $7,492-95.0% | $5,403-93.0% |