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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 | $7,438 | $50,082-85.1% | $93,406-92.0% | $79,858-90.7% |
| Participation rate | 32.7% | 60.9%-28.3pp | 66.8%-34.2pp | 69.6%-37.0pp |
| Annual return | 54.01% | 24.59%+29.4pp | 78.05%-24.0pp | 31.72%+22.3pp |
| Employer contribution / active EE | $498 | $1,303-61.8% | $2,075-76.0% | $2,471-79.8% |
| Participant deferral / active EE | $1,122 | $2,212-49.3% | $3,126-64.1% | $3,740-70.0% |
| Admin fee / account holder | $644 | $3,454-81.3% | $5,230-87.7% | $5,306-87.9% |