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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 | $21,552 | $65,034-66.9% | $90,970-76.3% | $79,856-73.0% |
| Participation rate | 48.7% | 61.6%-12.9pp | 69.0%-20.3pp | 69.6%-20.9pp |
| Annual return | 16.73% | 30.45%-13.7pp | 134.60%-117.9pp | 31.71%-15.0pp |
| Employer contribution / active EE | $598 | $1,247-52.0% | $2,122-71.8% | $2,471-75.8% |
| Participant deferral / active EE | $1,236 | $2,512-50.8% | $3,373-63.3% | $3,741-66.9% |
| Admin fee / account holder | $373 | $4,536-91.8% | $5,961-93.7% | $5,306-93.0% |