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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 | $38,082 | $109,620-65.3% | $148,496-74.4% | $94,015-59.5% |
| Participation rate | 59.2% | 71.3%-12.1pp | 76.0%-16.9pp | 70.8%-11.7pp |
| Annual return | 18.36% | 17.54%+0.8pp | 12.33%+6.0pp | 17.84%+0.5pp |
| Employer contribution / active EE | $1,321 | $2,618-49.5% | $3,497-62.2% | $2,790-52.7% |
| Participant deferral / active EE | $3,217 | $3,831-16.0% | $4,808-33.1% | $4,249-24.3% |
| Admin fee / account holder | $4,621 | $10,050-54.0% | $19,547-76.4% | $8,951-48.4% |