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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 | $24,950 | $94,031-73.5% | $115,768-78.4% | $82,448-69.7% |
| Participation rate | 64.4% | 70.4%-6.0pp | 74.4%-9.9pp | 68.1%-3.6pp |
| Annual return | 16.45% | 20.61%-4.2pp | 100.46%-84.0pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,278 | $2,323-45.0% | $2,940-56.5% | $2,551-49.9% |
| Participant deferral / active EE | $2,011 | $3,972-49.4% | $4,917-59.1% | $4,139-51.4% |
| Admin fee / account holder | $2,706 | $10,249-73.6% | $12,439-78.2% | $7,234-62.6% |