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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 | $18,889 | $65,704-71.3% | $94,229-80.0% | $59,633-68.3% |
| Participation rate | 59.3% | 72.1%-12.9pp | 78.8%-19.5pp | 68.7%-9.4pp |
| Annual return | 67.66% | 5.22%+62.4pp | 10.68%+57.0pp | 2041.45%-1973.8pp |
| Employer contribution / active EE | $1,568 | $2,021-22.4% | $3,587-56.3% | $2,203-28.8% |
| Participant deferral / active EE | $3,359 | $3,143+6.9% | $4,320-22.2% | $3,192+5.3% |
| Admin fee / account holder | $2,344 | $4,265-45.0% | $6,269-62.6% | $4,297-45.4% |