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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 | $27,170 | $96,731-71.9% | $123,973-78.1% | $86,983-68.8% |
| Participation rate | 49.0% | 70.0%-21.0pp | 76.7%-27.7pp | 69.5%-20.6pp |
| Annual return | 12.93% | 17.33%-4.4pp | 388.13%-375.2pp | 25.83%-12.9pp |
| Employer contribution / active EE | $1,745 | $3,297-47.1% | $4,126-57.7% | $2,584-32.5% |
| Participant deferral / active EE | $2,814 | $4,152-32.2% | $5,247-46.4% | $4,194-32.9% |
| Admin fee / account holder | $4,758 | $8,722-45.4% | $11,799-59.7% | $7,856-39.4% |