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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 | $29,163 | $114,712-74.6% | $173,730-83.2% | $87,485-66.7% |
| Participation rate | 37.5% | 73.0%-35.5pp | 79.6%-42.1pp | 68.9%-31.4pp |
| Annual return | 16.54% | 20.18%-3.6pp | 19.96%-3.4pp | 26.06%-9.5pp |
| Employer contribution / active EE | $843 | $2,904-71.0% | $4,577-81.6% | $2,596-67.5% |
| Participant deferral / active EE | $2,590 | $4,642-44.2% | $6,326-59.1% | $4,274-39.4% |
| Admin fee / account holder | $2,653 | $10,210-74.0% | $17,523-84.9% | $7,775-65.9% |