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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 | $24,088 | $98,776-75.6% | $149,745-83.9% | $79,856-69.8% |
| Participation rate | 55.0% | 75.8%-20.8pp | 82.5%-27.5pp | 69.6%-14.6pp |
| Annual return | 15.17% | 27.38%-12.2pp | 276.72%-261.6pp | 31.71%-16.5pp |
| Employer contribution / active EE | $1,143 | $3,217-64.5% | $4,646-75.4% | $2,471-53.7% |
| Participant deferral / active EE | $3,120 | $5,681-45.1% | $6,843-54.4% | $3,741-16.6% |
| Admin fee / account holder | $1,987 | $6,053-67.2% | $9,312-78.7% | $5,306-62.5% |