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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 | $29,322 | $146,267-80.0% | $197,124-85.1% | $82,448-64.4% |
| Participation rate | 59.7% | 84.0%-24.3pp | 86.7%-27.0pp | 68.1%-8.3pp |
| Annual return | 21.56% | 29.61%-8.1pp | 44.34%-22.8pp | 41.64%-20.1pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,817 | $7,035-17.3% | $9,135-36.3% | $4,139+40.5% |
| Admin fee / account holder | $1,007 | $14,422-93.0% | $16,298-93.8% | $7,234-86.1% |