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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 | $18,435 | $45,566-59.5% | $64,105-71.2% | $59,633-69.1% |
| Participation rate | 55.6% | 60.2%-4.6pp | 68.2%-12.6pp | 68.7%-13.1pp |
| Annual return | 4.18% | 4.95%-0.8pp | 791.24%-787.1pp | 2041.40%-2037.2pp |
| Employer contribution / active EE | $823 | $934-11.9% | $1,820-54.8% | $2,203-62.6% |
| Participant deferral / active EE | $1,750 | $2,057-14.9% | $2,822-38.0% | $3,192-45.2% |
| Admin fee / account holder | $1,182 | $3,268-63.8% | $4,499-73.7% | $4,297-72.5% |