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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 | $12,202 | $48,078-74.6% | $78,676-84.5% | $62,881-80.6% |
| Participation rate | 41.5% | 65.2%-23.7pp | 73.6%-32.1pp | 69.3%-27.8pp |
| Annual return | 10.12% | 31.36%-21.2pp | 62.19%-52.1pp | 20.14%-10.0pp |
| Employer contribution / active EE | $602 | $2,015-70.1% | $2,850-78.9% | $2,281-73.6% |
| Participant deferral / active EE | $1,149 | $2,587-55.6% | $3,517-67.3% | $3,203-64.1% |
| Admin fee / account holder | $406 | $3,206-87.3% | $4,510-91.0% | $4,296-90.5% |