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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 | $3,578 | $76,407-95.3% | $150,298-97.6% | $82,448-95.7% |
| Participation rate | 40.0% | 66.4%-26.4pp | 77.8%-37.8pp | 68.1%-28.1pp |
| Annual return | 34.93% | 39.99%-5.1pp | 62.79%-27.9pp | 41.64%-6.7pp |
| Employer contribution / active EE | $439 | $2,614-83.2% | $4,154-89.4% | $2,551-82.8% |
| Participant deferral / active EE | $917 | $3,214-71.5% | $5,453-83.2% | $4,139-77.8% |
| Admin fee / account holder | $517 | $6,352-91.9% | $14,116-96.3% | $7,234-92.9% |