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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 | $20,587 | $89,364-77.0% | $141,177-85.4% | $72,983-71.8% |
| Participation rate | 48.6% | 75.1%-26.6pp | 82.5%-33.9pp | 69.5%-20.9pp |
| Annual return | 26.34% | 111.86%-85.5pp | 71.40%-45.1pp | 81.01%-54.7pp |
| Employer contribution / active EE | $851 | $3,115-72.7% | $4,736-82.0% | $2,440-65.1% |
| Participant deferral / active EE | $3,420 | $5,419-36.9% | $6,710-49.0% | $3,608-5.2% |
| Admin fee / account holder | $3,929 | $5,959-34.1% | $10,263-61.7% | $5,124-23.3% |