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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 | $24,715 | $108,825-77.3% | $156,181-84.2% | $82,448-70.0% |
| Participation rate | 50.7% | 72.4%-21.7pp | 78.8%-28.1pp | 68.1%-17.4pp |
| Annual return | 16.32% | 20.59%-4.3pp | 64.87%-48.6pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,368 | $2,870-52.3% | $4,294-68.1% | $2,551-46.4% |
| Participant deferral / active EE | $2,000 | $4,577-56.3% | $6,132-67.4% | $4,139-51.7% |
| Admin fee / account holder | $465 | $9,341-95.0% | $14,586-96.8% | $7,234-93.6% |