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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 | $12,198 | $62,166-80.4% | $81,286-85.0% | $74,429-83.6% |
| Participation rate | 44.5% | 64.1%-19.5pp | 69.5%-25.0pp | 67.2%-22.7pp |
| Annual return | 17.50% | 16.50%+1.0pp | 24.80%-7.3pp | 1368.38%-1350.9pp |
| Employer contribution / active EE | $1,244 | $1,881-33.9% | $2,463-49.5% | $2,625-52.6% |
| Participant deferral / active EE | $2,383 | $3,223-26.1% | $3,883-38.6% | $4,348-45.2% |
| Admin fee / account holder | $2,988 | $1,925+55.3% | $5,764-48.2% | $1,944+53.7% |