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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 | $19,302 | $147,594-86.9% | $121,871-84.2% | $198,609-90.3% |
| Participation rate | 55.6% | 78.0%-22.4pp | 73.2%-17.6pp | 82.4%-26.8pp |
| Annual return | 8.26% | 12.94%-4.7pp | 13.57%-5.3pp | 202.70%-194.4pp |
| Employer contribution / active EE | $1,018 | $3,007-66.1% | $2,731-62.7% | $5,055-79.9% |
| Participant deferral / active EE | $2,005 | $5,168-61.2% | $4,318-53.6% | $6,977-71.3% |
| Admin fee / account holder | $1,150 | $15,134-92.4% | $11,551-90.0% | $19,030-94.0% |