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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 | $83,843-65.4% | $123,973-76.6% | $65,306-55.6% |
| Participation rate | 37.8% | 56.0%-18.2pp | 76.7%-38.9pp | 57.7%-19.9pp |
| Annual return | 18.56% | 19.87%-1.3pp | 388.13%-369.6pp | 21.94%-3.4pp |
| Employer contribution / active EE | $1,346 | $2,873-53.1% | $4,126-67.4% | $1,967-31.6% |
| Participant deferral / active EE | $1,523 | $2,997-49.2% | $5,247-71.0% | $2,959-48.5% |
| Admin fee / account holder | $421 | $4,735-91.1% | $11,799-96.4% | $3,480-87.9% |