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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 | $23,994 | $86,949-72.4% | $102,460-76.6% | $80,959-70.4% |
| Participation rate | 58.3% | 72.4%-14.1pp | 76.5%-18.2pp | 67.7%-9.3pp |
| Annual return | 11.55% | 18.89%-7.3pp | 29.47%-17.9pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,258 | $2,370-46.9% | $3,025-58.4% | $2,757-54.4% |
| Participant deferral / active EE | $2,251 | $4,121-45.4% | $5,056-55.5% | $4,300-47.7% |
| Admin fee / account holder | $1,559 | $8,048-80.6% | $9,460-83.5% | $6,925-77.5% |