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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 | $26,264 | $80,674-67.4% | $119,126-78.0% | $64,340-59.2% |
| Participation rate | 39.6% | 55.2%-15.6pp | 75.8%-36.1pp | 55.2%-15.6pp |
| Annual return | 18.35% | 26.86%-8.5pp | 282.11%-263.8pp | 24.14%-5.8pp |
| Employer contribution / active EE | $1,339 | $2,564-47.8% | $4,034-66.8% | $1,862-28.1% |
| Participant deferral / active EE | $2,035 | $3,053-33.4% | $5,318-61.7% | $2,980-31.7% |
| Admin fee / account holder | $1,944 | $4,559-57.4% | $10,693-81.8% | $3,703-47.5% |