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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 | $33,688 | $143,969-76.6% | $199,883-83.1% | $82,637-59.2% |
| Participation rate | 63.6% | 84.1%-20.5pp | 86.8%-23.1pp | 68.1%-4.4pp |
| Annual return | 20.64% | 25.67%-5.0pp | 43.81%-23.2pp | 53.51%-32.9pp |
| Employer contribution / active EE | $0 | $4,632-100.0% | $6,261-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $6,640 | $6,937-4.3% | $9,138-27.3% | $4,126+60.9% |
| Admin fee / account holder | $3,197 | $14,597-78.1% | $17,268-81.5% | $7,339-56.4% |