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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 | $30,512 | $78,562-61.2% | $105,608-71.1% | $74,429-59.0% |
| Participation rate | 49.5% | 72.8%-23.3pp | 75.3%-25.8pp | 67.2%-17.7pp |
| Annual return | 13.58% | 15.94%-2.4pp | 116.50%-102.9pp | 1368.38%-1354.8pp |
| Employer contribution / active EE | $1,253 | $2,521-50.3% | $3,167-60.4% | $2,625-52.2% |
| Participant deferral / active EE | $2,062 | $4,321-52.3% | $5,010-58.8% | $4,348-52.6% |
| Admin fee / account holder | $1,613 | $2,217-27.2% | $11,028-85.4% | $1,944-17.0% |