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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 | $23,112 | $78,423-70.5% | $95,964-75.9% | $79,856-71.1% |
| Participation rate | 57.4% | 73.5%-16.0pp | 77.1%-19.6pp | 69.6%-12.2pp |
| Annual return | 12.45% | 19.37%-6.9pp | 91.64%-79.2pp | 31.71%-19.3pp |
| Employer contribution / active EE | $904 | $1,945-53.5% | $2,541-64.4% | $2,471-63.4% |
| Participant deferral / active EE | $2,019 | $3,440-41.3% | $4,167-51.5% | $3,741-46.0% |
| Admin fee / account holder | $7,573 | $5,622+34.7% | $6,797+11.4% | $5,306+42.7% |