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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 | $23,960 | $87,106-72.5% | $105,607-77.3% | $80,935-70.4% |
| Participation rate | 57.1% | 70.4%-13.3pp | 75.3%-18.1pp | 67.7%-10.5pp |
| Annual return | 13.00% | 17.01%-4.0pp | 116.11%-103.1pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,152 | $2,396-51.9% | $3,167-63.6% | $2,757-58.2% |
| Participant deferral / active EE | $2,808 | $3,986-29.5% | $5,011-44.0% | $4,299-34.7% |
| Admin fee / account holder | $7,200 | $8,447-14.8% | $10,958-34.3% | $6,924+4.0% |