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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 | $28,538 | $86,298-66.9% | $111,308-74.4% | $85,847-66.8% |
| Participation rate | 41.4% | 73.3%-32.0pp | 77.3%-35.9pp | 69.3%-27.9pp |
| Annual return | 13.77% | 19.99%-6.2pp | 54.67%-40.9pp | 318.61%-304.8pp |
| Employer contribution / active EE | $1,027 | $2,044-49.7% | $2,732-62.4% | $2,565-60.0% |
| Participant deferral / active EE | $1,698 | $3,641-53.4% | $4,487-62.2% | $3,952-57.0% |
| Admin fee / account holder | $1,194 | $8,189-85.4% | $7,965-85.0% | $6,261-80.9% |