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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 | $17,282 | $86,938-80.1% | $102,423-83.1% | $80,925-78.6% |
| Participation rate | 37.9% | 72.4%-34.5pp | 76.5%-38.6pp | 67.7%-29.7pp |
| Annual return | 43.54% | 18.89%+24.6pp | 29.42%+14.1pp | 35.65%+7.9pp |
| Employer contribution / active EE | $1,287 | $2,369-45.7% | $3,023-57.4% | $2,756-53.3% |
| Participant deferral / active EE | $2,024 | $4,120-50.9% | $5,054-60.0% | $4,299-52.9% |
| Admin fee / account holder | $1,285 | $8,053-84.0% | $9,455-86.4% | $6,940-81.5% |