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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 | $13,844 | $63,845-78.3% | $81,370-83.0% | $80,959-82.9% |
| Participation rate | 63.4% | 63.9%-0.4pp | 69.5%-6.1pp | 67.7%-4.2pp |
| Annual return | 15.01% | 16.37%-1.4pp | 24.85%-9.8pp | 35.67%-20.7pp |
| Employer contribution / active EE | $1,159 | $1,980-41.5% | $2,464-53.0% | $2,757-58.0% |
| Participant deferral / active EE | $1,695 | $3,093-45.2% | $3,885-56.4% | $4,300-60.6% |
| Admin fee / account holder | $1,294 | $5,688-77.2% | $5,749-77.5% | $6,925-81.3% |