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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 | $31,103 | $91,559-66.0% | $133,971-76.8% | $79,852-61.0% |
| Participation rate | 61.9% | 73.3%-11.4pp | 79.8%-17.9pp | 69.6%-7.7pp |
| Annual return | 16.06% | 61.85%-45.8pp | 45.09%-29.0pp | 31.72%-15.7pp |
| Employer contribution / active EE | $1,293 | $2,384-45.8% | $3,919-67.0% | $2,471-47.7% |
| Participant deferral / active EE | $3,150 | $3,734-15.6% | $5,047-37.6% | $3,740-15.8% |
| Admin fee / account holder | $2,670 | $6,321-57.8% | $8,929-70.1% | $5,306-49.7% |