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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 | $8,078 | $103,949-92.2% | $69,182-88.3% | $273,972-97.1% |
| Participation rate | 47.6% | 67.4%-19.7pp | 55.1%-7.5pp | 83.0%-35.4pp |
| Annual return | 7.01% | 35.28%-28.3pp | -21.93%+28.9pp | 41.46%-34.4pp |
| Employer contribution / active EE | $495 | $1,783-72.3% | $1,206-59.0% | $4,869-89.8% |
| Participant deferral / active EE | $3,040 | $2,716+11.9% | $1,897+60.3% | $5,287-42.5% |
| Admin fee / account holder | $410 | $3,671-88.8% | $2,697-84.8% | $10,133-95.9% |