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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 | $34,028 | $79,184-57.0% | $102,438-66.8% | $74,546-54.4% |
| Participation rate | 42.0% | 74.8%-32.8pp | 76.5%-34.5pp | 67.2%-25.2pp |
| Annual return | 12.82% | 54.95%-42.1pp | 29.37%-16.5pp | 1366.03%-1353.2pp |
| Employer contribution / active EE | $834 | $2,362-64.7% | $3,024-72.4% | $2,624-68.2% |
| Participant deferral / active EE | $2,796 | $4,414-36.7% | $5,054-44.7% | $4,347-35.7% |
| Admin fee / account holder | $2,208 | $2,001+10.3% | $9,448-76.6% | $1,944+13.6% |