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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 | $24,402 | $83,485-70.8% | $125,180-80.5% | $72,983-66.6% |
| Participation rate | 51.5% | 73.3%-21.8pp | 79.8%-28.3pp | 69.5%-18.0pp |
| Annual return | 25.82% | 25.78%0pp | 43.79%-18.0pp | 81.01%-55.2pp |
| Employer contribution / active EE | $1,523 | $2,346-35.1% | $3,866-60.6% | $2,440-37.6% |
| Participant deferral / active EE | $2,432 | $3,586-32.2% | $4,937-50.7% | $3,608-32.6% |
| Admin fee / account holder | $689 | $5,518-87.5% | $9,703-92.9% | $5,124-86.5% |