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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 | $3,219 | $54,370-94.1% | $82,763-96.1% | $68,490-95.3% |
| Participation rate | 48.6% | 63.9%-15.4pp | 72.6%-24.0pp | 67.9%-19.3pp |
| Annual return | 144.69% | -13.67%+158.4pp | 702.45%-557.8pp | -7.85%+152.5pp |
| Employer contribution / active EE | $269 | $2,219-87.9% | $3,008-91.1% | $2,597-89.6% |
| Participant deferral / active EE | $1,004 | $3,247-69.1% | $4,395-77.1% | $4,028-75.1% |
| Admin fee / account holder | $499 | $4,398-88.7% | $5,325-90.6% | $5,403-90.8% |