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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 | $12,578 | $110,083-88.6% | $151,639-91.7% | $68,486-81.6% |
| Participation rate | 52.8% | 84.0%-31.1pp | 87.5%-34.7pp | 67.9%-15.1pp |
| Annual return | -15.41% | -10.12%-5.3pp | 3.34%-18.8pp | -7.85%-7.6pp |
| Employer contribution / active EE | $0 | $4,470-100.0% | $6,165-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,506 | $6,526-15.6% | $8,363-34.2% | $4,028+36.7% |
| Admin fee / account holder | $2,315 | $7,718-70.0% | $11,613-80.1% | $5,404-57.2% |