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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 | $18,089 | $58,828-69.3% | $78,002-76.8% | $62,881-71.2% |
| Participation rate | 32.0% | 71.1%-39.1pp | 75.5%-43.5pp | 69.3%-37.3pp |
| Annual return | 8.10% | 17.16%-9.1pp | 425.99%-417.9pp | 20.14%-12.0pp |
| Employer contribution / active EE | $719 | $1,672-57.0% | $2,470-70.9% | $2,281-68.5% |
| Participant deferral / active EE | $1,373 | $2,686-48.9% | $3,497-60.7% | $3,203-57.1% |
| Admin fee / account holder | $965 | $4,393-78.0% | $5,481-82.4% | $4,296-77.5% |