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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 | $21,135 | $87,059-75.7% | $105,608-80.0% | $80,925-73.9% |
| Participation rate | 54.5% | 70.4%-15.9pp | 75.3%-20.7pp | 67.7%-13.1pp |
| Annual return | 14.38% | 17.05%-2.7pp | 116.50%-102.1pp | 35.65%-21.3pp |
| Employer contribution / active EE | $1,381 | $2,396-42.4% | $3,167-56.4% | $2,756-49.9% |
| Participant deferral / active EE | $2,410 | $3,986-39.5% | $5,010-51.9% | $4,299-43.9% |
| Admin fee / account holder | $1,307 | $8,443-84.5% | $11,028-88.2% | $6,940-81.2% |