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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 | $24,631 | $78,707-68.7% | $117,861-79.1% | $70,126-64.9% |
| Participation rate | 64.1% | 73.2%-9.1pp | 79.7%-15.6pp | 69.5%-5.4pp |
| Annual return | 22.68% | 23.30%-0.6pp | 335.11%-312.4pp | 73.15%-50.5pp |
| Employer contribution / active EE | $5,398 | $2,223+142.8% | $3,786+42.6% | $2,343+130.4% |
| Participant deferral / active EE | $1,682 | $3,297-49.0% | $4,482-62.5% | $3,332-49.5% |
| Admin fee / account holder | $1,264 | $5,066-75.0% | $8,021-84.2% | $4,645-72.8% |