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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 | $31,118 | $91,559-66.0% | $133,978-76.8% | $79,856-61.0% |
| Participation rate | 47.6% | 73.3%-25.7pp | 79.8%-32.2pp | 69.6%-22.0pp |
| Annual return | 16.21% | 61.85%-45.6pp | 45.10%-28.9pp | 31.71%-15.5pp |
| Employer contribution / active EE | $894 | $2,384-62.5% | $3,919-77.2% | $2,471-63.8% |
| Participant deferral / active EE | $1,961 | $3,734-47.5% | $5,047-61.2% | $3,741-47.6% |
| Admin fee / account holder | $1,681 | $6,321-73.4% | $8,930-81.2% | $5,306-68.3% |