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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 | $24,205 | $201,370-88.0% | $184,256-86.9% | $145,897-83.4% |
| Participation rate | 45.8% | 87.5%-41.7pp | 86.8%-41.0pp | 80.3%-34.5pp |
| Annual return | 13.96% | 29.05%-15.1pp | 28.85%-14.9pp | 552.29%-538.3pp |
| Employer contribution / active EE | $1,883 | $7,024-73.2% | $6,427-70.7% | $4,663-59.6% |
| Participant deferral / active EE | $4,204 | $9,808-57.1% | $9,133-54.0% | $6,689-37.2% |
| Admin fee / account holder | $2,012 | $16,364-87.7% | $13,899-85.5% | $13,390-85.0% |