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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 | $17,092 | $62,672-72.7% | $185,117-90.8% | $70,131-75.6% |
| Participation rate | 53.1% | 63.8%-10.7pp | 77.3%-24.1pp | 69.5%-16.4pp |
| Annual return | 19.22% | 40.79%-21.6pp | 40.50%-21.3pp | 73.14%-53.9pp |
| Employer contribution / active EE | $967 | $1,753-44.8% | $4,182-76.9% | $2,342-58.7% |
| Participant deferral / active EE | $2,123 | $3,272-35.1% | $5,045-57.9% | $3,332-36.3% |
| Admin fee / account holder | $950 | $3,932-75.8% | $8,159-88.4% | $4,645-79.6% |