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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 | $16,235 | $59,819-72.9% | $79,583-79.6% | $68,490-76.3% |
| Participation rate | 51.6% | 61.1%-9.5pp | 69.5%-17.9pp | 67.9%-16.3pp |
| Annual return | -18.50% | -12.30%-6.2pp | 0.16%-18.7pp | -7.85%-10.6pp |
| Employer contribution / active EE | $1,592 | $1,505+5.8% | $2,414-34.0% | $2,597-38.7% |
| Participant deferral / active EE | $2,352 | $3,025-22.3% | $3,986-41.0% | $4,028-41.6% |
| Admin fee / account holder | $427 | $4,835-91.2% | $6,835-93.7% | $5,403-92.1% |