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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 | $29,028 | $83,369-65.2% | $105,223-72.4% | $67,986-57.3% |
| Participation rate | 37.8% | 56.3%-18.5pp | 75.0%-37.3pp | 57.2%-19.4pp |
| Annual return | 18.56% | 24.64%-6.1pp | 180.65%-162.1pp | 31.67%-13.1pp |
| Employer contribution / active EE | $1,346 | $2,541-47.0% | $3,689-63.5% | $2,019-33.3% |
| Participant deferral / active EE | $1,523 | $3,295-53.8% | $5,072-70.0% | $3,358-54.6% |
| Admin fee / account holder | $421 | $4,073-89.7% | $8,859-95.2% | $3,203-86.9% |