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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 | $5,878 | $45,126-87.0% | $85,187-93.1% | $74,459-92.1% |
| Participation rate | 55.9% | 49.4%+6.5pp | 67.5%-11.6pp | 67.2%-11.3pp |
| Annual return | 16.52% | 26.30%-9.8pp | 66.67%-50.1pp | 1369.70%-1353.2pp |
| Employer contribution / active EE | $319 | $1,460-78.1% | $2,732-88.3% | $2,626-87.8% |
| Participant deferral / active EE | $1,694 | $2,738-38.2% | $4,525-62.6% | $4,350-61.1% |
| Admin fee / account holder | $717 | $2,212-67.6% | $6,162-88.4% | $1,945-63.1% |