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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 | $15,969 | $79,955-80.0% | $98,450-83.8% | $75,181-78.8% |
| Participation rate | 52.9% | 70.4%-17.5pp | 75.2%-22.3pp | 67.2%-14.3pp |
| Annual return | 24.06% | 19.75%+4.3pp | 21.16%+2.9pp | 160.69%-136.6pp |
| Employer contribution / active EE | $1,328 | $2,264-41.4% | $3,049-56.5% | $2,671-50.3% |
| Participant deferral / active EE | $2,437 | $3,752-35.1% | $4,739-48.6% | $4,126-40.9% |
| Admin fee / account holder | $1,278 | $6,841-81.3% | $8,961-85.7% | $5,650-77.4% |