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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 | $17,640 | $65,361-73.0% | $92,903-81.0% | $72,983-75.8% |
| Participation rate | 48.2% | 68.3%-20.1pp | 76.0%-27.8pp | 69.5%-21.3pp |
| Annual return | 29.44% | 42.11%-12.7pp | 109.43%-80.0pp | 81.01%-51.6pp |
| Employer contribution / active EE | $1,223 | $2,594-52.9% | $3,653-66.5% | $2,440-49.9% |
| Participant deferral / active EE | $3,418 | $3,128+9.3% | $4,238-19.3% | $3,608-5.2% |
| Admin fee / account holder | $1,955 | $4,251-54.0% | $5,795-66.3% | $5,124-61.9% |