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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 | $97,648-74.4% | $121,663-79.5% | $87,485-71.5% |
| Participation rate | 64.4% | 70.5%-6.0pp | 74.5%-10.0pp | 68.9%-4.5pp |
| Annual return | 16.45% | 18.03%-1.6pp | 147.54%-131.1pp | 26.06%-9.6pp |
| Employer contribution / active EE | $1,278 | $2,300-44.4% | $3,020-57.7% | $2,596-50.8% |
| Participant deferral / active EE | $2,011 | $3,923-48.8% | $4,887-58.9% | $4,274-53.0% |
| Admin fee / account holder | $2,706 | $11,100-75.6% | $14,289-81.1% | $7,775-65.2% |