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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 | $26,682 | $81,208-67.1% | $98,920-73.0% | $79,852-66.6% |
| Participation rate | 42.9% | 72.5%-29.6pp | 76.0%-33.2pp | 69.6%-26.8pp |
| Annual return | 10.44% | 60.99%-50.6pp | 196.47%-186.0pp | 31.72%-21.3pp |
| Employer contribution / active EE | $1,090 | $1,960-44.4% | $2,689-59.5% | $2,471-55.9% |
| Participant deferral / active EE | $2,364 | $3,265-27.6% | $4,245-44.3% | $3,740-36.8% |
| Admin fee / account holder | $720 | $6,013-88.0% | $6,643-89.2% | $5,306-86.4% |