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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 | $24,532 | $101,795-75.9% | $165,100-85.1% | $80,959-69.7% |
| Participation rate | 56.2% | 71.8%-15.7pp | 78.6%-22.5pp | 67.7%-11.5pp |
| Annual return | 12.85% | 16.73%-3.9pp | 70.21%-57.4pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,162 | $2,954-60.7% | $4,348-73.3% | $2,757-57.8% |
| Participant deferral / active EE | $2,573 | $4,476-42.5% | $6,035-57.4% | $4,300-40.2% |
| Admin fee / account holder | $505 | $8,221-93.9% | $12,696-96.0% | $6,925-92.7% |