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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 | $14,129 | $83,369-83.1% | $105,223-86.6% | $67,986-79.2% |
| Participation rate | 54.1% | 56.3%-2.2pp | 75.0%-21.0pp | 57.2%-3.1pp |
| Annual return | 21.87% | 24.64%-2.8pp | 180.65%-158.8pp | 31.67%-9.8pp |
| Employer contribution / active EE | $1,272 | $2,541-49.9% | $3,689-65.5% | $2,019-37.0% |
| Participant deferral / active EE | $2,417 | $3,295-26.7% | $5,072-52.3% | $3,358-28.0% |
| Admin fee / account holder | $2,459 | $4,073-39.6% | $8,859-72.2% | $3,203-23.2% |