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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 | $27,216 | $83,485-67.4% | $125,195-78.3% | $72,976-62.7% |
| Participation rate | 61.7% | 73.3%-11.6pp | 79.8%-18.1pp | 69.5%-7.8pp |
| Annual return | 31.43% | 25.77%+5.7pp | 43.79%-12.4pp | 81.02%-49.6pp |
| Employer contribution / active EE | $1,243 | $2,346-47.0% | $3,866-67.8% | $2,440-49.0% |
| Participant deferral / active EE | $2,121 | $3,586-40.8% | $4,937-57.0% | $3,608-41.2% |
| Admin fee / account holder | $668 | $5,518-87.9% | $9,704-93.1% | $5,124-87.0% |