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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 | $22,737 | $149,679-84.8% | $117,039-80.6% | $147,586-84.6% |
| Participation rate | 52.6% | 83.5%-30.9pp | 77.2%-24.6pp | 82.8%-30.2pp |
| Annual return | 16.78% | 19.31%-2.5pp | 18.95%-2.2pp | 578.59%-561.8pp |
| Employer contribution / active EE | $1,153 | $4,937-76.6% | $3,785-69.5% | $4,876-76.4% |
| Participant deferral / active EE | $2,478 | $4,912-49.5% | $3,929-36.9% | $5,439-54.4% |
| Admin fee / account holder | $777 | $7,856-90.1% | $5,974-87.0% | $10,886-92.9% |