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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 | $10,276 | $148,582-93.1% | $135,942-92.4% | $139,456-92.6% |
| Participation rate | 57.1% | 83.9%-26.7pp | 81.9%-24.8pp | 80.3%-23.2pp |
| Annual return | 21.43% | 79.26%-57.8pp | 68.28%-46.8pp | 373.45%-352.0pp |
| Employer contribution / active EE | $2,378 | $5,245-54.7% | $4,858-51.0% | $4,753-50.0% |
| Participant deferral / active EE | $3,493 | $8,101-56.9% | $7,759-55.0% | $6,711-48.0% |
| Admin fee / account holder | $10,376 | $12,402-16.3% | $10,764-3.6% | $11,407-9.0% |