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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 | $18,756 | $65,027-71.2% | $90,970-79.4% | $79,852-76.5% |
| Participation rate | 48.3% | 61.6%-13.3pp | 69.0%-20.7pp | 69.6%-21.4pp |
| Annual return | 26.57% | 30.45%-3.9pp | 134.58%-108.0pp | 31.72%-5.2pp |
| Employer contribution / active EE | $831 | $1,247-33.4% | $2,122-60.8% | $2,471-66.4% |
| Participant deferral / active EE | $2,793 | $2,512+11.2% | $3,373-17.2% | $3,740-25.3% |
| Admin fee / account holder | $1,200 | $4,535-73.5% | $5,960-79.9% | $5,306-77.4% |