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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 | $13,505 | $62,086-78.2% | $90,259-85.0% | $64,340-79.0% |
| Participation rate | 25.0% | 53.9%-28.9pp | 70.7%-45.7pp | 55.2%-30.2pp |
| Annual return | 19.82% | 16.73%+3.1pp | 18.88%+0.9pp | 24.14%-4.3pp |
| Employer contribution / active EE | $701 | $1,883-62.8% | $2,291-69.4% | $1,862-62.3% |
| Participant deferral / active EE | $1,430 | $2,557-44.1% | $3,827-62.6% | $2,980-52.0% |
| Admin fee / account holder | $1,747 | $3,317-47.3% | $7,267-76.0% | $3,703-52.8% |