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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 | $27,332 | $78,707-65.3% | $117,861-76.8% | $70,126-61.0% |
| Participation rate | 49.3% | 73.2%-23.9pp | 79.7%-30.4pp | 69.5%-20.2pp |
| Annual return | 19.21% | 23.30%-4.1pp | 335.11%-315.9pp | 73.15%-53.9pp |
| Employer contribution / active EE | $1,254 | $2,223-43.6% | $3,786-66.9% | $2,343-46.5% |
| Participant deferral / active EE | $3,048 | $3,297-7.6% | $4,482-32.0% | $3,332-8.5% |
| Admin fee / account holder | $1,904 | $5,066-62.4% | $8,021-76.3% | $4,645-59.0% |