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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 | $13,571 | $63,456-78.6% | $100,712-86.5% | $64,097-78.8% |
| Participation rate | 63.9% | 49.7%+14.2pp | 69.3%-5.4pp | 55.2%+8.7pp |
| Annual return | 19.09% | 19.65%-0.6pp | 33.27%-14.2pp | 34.64%-15.6pp |
| Employer contribution / active EE | $0 | $1,003-100.0% | $2,313-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,873 | $2,463+16.6% | $4,085-29.7% | $3,080-6.7% |
| Admin fee / account holder | $2,711 | $4,808-43.6% | $9,256-70.7% | $3,454-21.5% |