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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 | $17,337 | $63,365-72.6% | $91,994-81.2% | $72,975-76.2% |
| Participation rate | 56.4% | 72.5%-16.1pp | 78.6%-22.2pp | 69.5%-13.1pp |
| Annual return | 19.60% | 35.35%-15.8pp | 69.04%-49.4pp | 81.01%-61.4pp |
| Employer contribution / active EE | $1,857 | $2,116-12.2% | $3,453-46.2% | $2,440-23.9% |
| Participant deferral / active EE | $3,338 | $4,883-31.6% | $5,924-43.6% | $3,608-7.5% |
| Admin fee / account holder | $3,605 | $4,670-22.8% | $7,744-53.4% | $5,124-29.6% |