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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 | $22,375 | $65,034-65.6% | $90,970-75.4% | $79,856-72.0% |
| Participation rate | 32.0% | 61.6%-29.6pp | 69.0%-37.0pp | 69.6%-37.6pp |
| Annual return | 22.58% | 30.45%-7.9pp | 134.60%-112.0pp | 31.71%-9.1pp |
| Employer contribution / active EE | $419 | $1,247-66.4% | $2,122-80.2% | $2,471-83.0% |
| Participant deferral / active EE | $1,658 | $2,512-34.0% | $3,373-50.9% | $3,741-55.7% |
| Admin fee / account holder | $1,815 | $4,536-60.0% | $5,961-69.6% | $5,306-65.8% |