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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 | $31,424 | $79,209-60.3% | $102,434-69.3% | $74,459-57.8% |
| Participation rate | 37.7% | 74.8%-37.1pp | 76.5%-38.8pp | 67.2%-29.5pp |
| Annual return | 14.19% | 54.98%-40.8pp | 29.46%-15.3pp | 1369.70%-1355.5pp |
| Employer contribution / active EE | $1,380 | $2,362-41.6% | $3,023-54.4% | $2,626-47.4% |
| Participant deferral / active EE | $2,734 | $4,417-38.1% | $5,055-45.9% | $4,350-37.2% |
| Admin fee / account holder | $1,775 | $2,002-11.3% | $9,462-81.2% | $1,945-8.7% |