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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 | $19,088 | $86,298-77.9% | $111,308-82.9% | $85,847-77.8% |
| Participation rate | 56.1% | 73.3%-17.2pp | 77.3%-21.2pp | 69.3%-13.2pp |
| Annual return | 13.98% | 19.99%-6.0pp | 54.67%-40.7pp | 318.61%-304.6pp |
| Employer contribution / active EE | $1,009 | $2,044-50.6% | $2,732-63.0% | $2,565-60.7% |
| Participant deferral / active EE | $2,496 | $3,641-31.4% | $4,487-44.4% | $3,952-36.8% |
| Admin fee / account holder | $380 | $8,189-95.4% | $7,965-95.2% | $6,261-93.9% |