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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 | $24,497 | $99,633-75.4% | $183,328-86.6% | $82,448-70.3% |
| Participation rate | 57.1% | 70.8%-13.6pp | 77.3%-20.2pp | 68.1%-10.9pp |
| Annual return | 20.14% | 17.84%+2.3pp | 29.67%-9.5pp | 41.64%-21.5pp |
| Employer contribution / active EE | $2,210 | $3,256-32.1% | $5,055-56.3% | $2,551-13.4% |
| Participant deferral / active EE | $3,473 | $4,938-29.7% | $6,795-48.9% | $4,139-16.1% |
| Admin fee / account holder | $787 | $9,934-92.1% | $21,427-96.3% | $7,234-89.1% |