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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 | $7,059 | $41,016-82.8% | $152,093-95.4% | $64,097-89.0% |
| Participation rate | 52.1% | 51.3%+0.8pp | 77.8%-25.6pp | 55.2%-3.1pp |
| Annual return | 21.06% | 39.60%-18.5pp | 66.36%-45.3pp | 34.64%-13.6pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,858 | $1,927-3.6% | $5,451-65.9% | $3,080-39.7% |
| Admin fee / account holder | $865 | $2,305-62.5% | $14,497-94.0% | $3,454-75.0% |