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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 | $5,659 | $81,331-93.0% | $155,534-96.4% | $80,935-93.0% |
| Participation rate | 42.2% | 66.3%-24.1pp | 78.2%-36.0pp | 67.7%-25.5pp |
| Annual return | 25.96% | 33.37%-7.4pp | 64.92%-39.0pp | 35.66%-9.7pp |
| Employer contribution / active EE | $588 | $3,105-81.0% | $4,675-87.4% | $2,757-78.7% |
| Participant deferral / active EE | $1,039 | $3,454-69.9% | $5,630-81.5% | $4,299-75.8% |
| Admin fee / account holder | $1,045 | $7,999-86.9% | $15,900-93.4% | $6,924-84.9% |