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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 | $18,605 | $127,386-85.4% | $115,037-83.8% | $125,388-85.2% |
| Participation rate | 55.0% | 84.2%-29.2pp | 81.4%-26.4pp | 83.2%-28.2pp |
| Annual return | 0.30% | 31.28%-31.0pp | 26.14%-25.8pp | 282.24%-281.9pp |
| Employer contribution / active EE | $2,758 | $5,166-46.6% | $4,608-40.1% | $4,866-43.3% |
| Participant deferral / active EE | $5,890 | $6,423-8.3% | $6,026-2.3% | $5,352+10.1% |
| Admin fee / account holder | $348 | $9,516-96.3% | $8,175-95.7% | $9,541-96.4% |