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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 | $26,447 | $91,559-71.1% | $133,978-80.3% | $79,856-66.9% |
| Participation rate | 63.5% | 73.3%-9.9pp | 79.8%-16.4pp | 69.6%-6.2pp |
| Annual return | 12.60% | 61.85%-49.3pp | 45.10%-32.5pp | 31.71%-19.1pp |
| Employer contribution / active EE | $1,268 | $2,384-46.8% | $3,919-67.6% | $2,471-48.7% |
| Participant deferral / active EE | $2,909 | $3,734-22.1% | $5,047-42.4% | $3,741-22.2% |
| Admin fee / account holder | $3,670 | $6,321-41.9% | $8,930-58.9% | $5,306-30.8% |