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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 | $30,180 | $101,795-70.4% | $165,100-81.7% | $80,959-62.7% |
| Participation rate | 67.8% | 71.8%-4.0pp | 78.6%-10.8pp | 67.7%+0.1pp |
| Annual return | 0.00% | 16.73%-16.7pp | 70.21%-70.2pp | 35.67%-35.7pp |
| Employer contribution / active EE | $2,335 | $2,954-20.9% | $4,348-46.3% | $2,757-15.3% |
| Participant deferral / active EE | $5,440 | $4,476+21.5% | $6,035-9.9% | $4,300+26.5% |
| Admin fee / account holder | $7,775 | $8,221-5.4% | $12,696-38.8% | $6,925+12.3% |