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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 | $35,344 | $97,550-63.8% | $120,344-70.6% | $87,485-59.6% |
| Participation rate | 45.0% | 72.8%-27.8pp | 76.7%-31.7pp | 68.9%-23.9pp |
| Annual return | 15.87% | 18.41%-2.5pp | 20.30%-4.4pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,137 | $2,291-50.4% | $3,020-62.3% | $2,596-56.2% |
| Participant deferral / active EE | $2,744 | $4,230-35.1% | $5,135-46.6% | $4,274-35.8% |
| Admin fee / account holder | $12,635 | $9,543+32.4% | $12,742-0.8% | $7,775+62.5% |