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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 | $27,669 | $87,059-68.2% | $105,608-73.8% | $80,925-65.8% |
| Participation rate | 62.8% | 70.4%-7.7pp | 75.3%-12.5pp | 67.7%-4.9pp |
| Annual return | 12.60% | 17.05%-4.4pp | 116.50%-103.9pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,732 | $2,396-27.7% | $3,167-45.3% | $2,756-37.2% |
| Participant deferral / active EE | $3,831 | $3,986-3.9% | $5,010-23.5% | $4,299-10.9% |
| Admin fee / account holder | $5,208 | $8,443-38.3% | $11,028-52.8% | $6,940-25.0% |