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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 | $16,315 | $94,031-82.6% | $115,768-85.9% | $82,448-80.2% |
| Participation rate | 48.5% | 70.4%-21.9pp | 74.4%-25.9pp | 68.1%-19.6pp |
| Annual return | 28.00% | 20.61%+7.4pp | 100.46%-72.5pp | 41.64%-13.6pp |
| Employer contribution / active EE | $869 | $2,323-62.6% | $2,940-70.4% | $2,551-65.9% |
| Participant deferral / active EE | $2,358 | $3,972-40.6% | $4,917-52.0% | $4,139-43.0% |
| Admin fee / account holder | $356 | $10,249-96.5% | $12,439-97.1% | $7,234-95.1% |