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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 | $21,891 | $72,486-69.8% | $87,103-74.9% | $72,976-70.0% |
| Participation rate | 64.0% | 72.8%-8.8pp | 76.9%-12.9pp | 69.5%-5.5pp |
| Annual return | 21.70% | 24.46%-2.8pp | 28.19%-6.5pp | 81.02%-59.3pp |
| Employer contribution / active EE | $1,231 | $1,894-35.0% | $2,521-51.2% | $2,440-49.6% |
| Participant deferral / active EE | $2,822 | $3,270-13.7% | $4,049-30.3% | $3,608-21.8% |
| Admin fee / account holder | $1,281 | $5,055-74.7% | $7,491-82.9% | $5,124-75.0% |