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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 | $3,919 | $63,354-93.8% | $94,105-95.8% | $82,637-95.3% |
| Participation rate | 66.7% | 63.8%+2.8pp | 71.9%-5.3pp | 68.1%-1.4pp |
| Annual return | 25.65% | 34.36%-8.7pp | 204.55%-178.9pp | 53.51%-27.9pp |
| Employer contribution / active EE | $509 | $1,760-71.1% | $2,504-79.7% | $2,552-80.0% |
| Participant deferral / active EE | $1,433 | $2,873-50.1% | $3,881-63.1% | $4,126-65.3% |
| Admin fee / account holder | $368 | $5,073-92.7% | $6,199-94.1% | $7,339-95.0% |