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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 | $29,566 | $168,636-82.5% | $147,618-80.0% | $125,388-76.4% |
| Participation rate | 60.9% | 88.8%-27.9pp | 84.6%-23.8pp | 83.2%-22.3pp |
| Annual return | 0.86% | 77.65%-76.8pp | 61.98%-61.1pp | 282.24%-281.4pp |
| Employer contribution / active EE | $2,367 | $6,252-62.1% | $5,565-57.5% | $4,866-51.4% |
| Participant deferral / active EE | $5,550 | $5,507+0.8% | $4,895+13.4% | $5,352+3.7% |
| Admin fee / account holder | $6,093 | $13,580-55.1% | $11,612-47.5% | $9,541-36.1% |