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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 | $8,057 | $45,343-82.2% | $150,298-94.6% | $67,986-88.1% |
| Participation rate | 46.5% | 51.9%-5.3pp | 77.8%-31.2pp | 57.2%-10.7pp |
| Annual return | 403.25% | 33.28%+370.0pp | 62.79%+340.5pp | 31.67%+371.6pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,159 | $2,055-43.6% | $5,453-78.8% | $3,358-65.5% |
| Admin fee / account holder | $686 | $2,250-69.5% | $14,116-95.1% | $3,203-78.6% |