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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 | $4,684 | $81,331-94.2% | $155,534-97.0% | $80,935-94.2% |
| Participation rate | 63.3% | 66.3%-3.0pp | 78.2%-15.0pp | 67.7%-4.4pp |
| Annual return | 17.52% | 33.37%-15.8pp | 64.92%-47.4pp | 35.66%-18.1pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,782 | $3,454-48.4% | $5,630-68.4% | $4,299-58.6% |
| Admin fee / account holder | $986 | $7,999-87.7% | $15,900-93.8% | $6,924-85.8% |