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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 | $26,793 | $79,209-66.2% | $102,434-73.8% | $74,459-64.0% |
| Participation rate | 45.6% | 74.8%-29.2pp | 76.5%-30.9pp | 67.2%-21.6pp |
| Annual return | 13.63% | 54.98%-41.4pp | 29.46%-15.8pp | 1369.70%-1356.1pp |
| Employer contribution / active EE | $1,178 | $2,362-50.1% | $3,023-61.0% | $2,626-55.1% |
| Participant deferral / active EE | $2,552 | $4,417-42.2% | $5,055-49.5% | $4,350-41.3% |
| Admin fee / account holder | $841 | $2,002-58.0% | $9,462-91.1% | $1,945-56.8% |