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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 | $20,747 | $58,828-64.7% | $78,002-73.4% | $62,881-67.0% |
| Participation rate | 46.2% | 71.1%-24.9pp | 75.5%-29.4pp | 69.3%-23.2pp |
| Annual return | 8.64% | 17.16%-8.5pp | 425.99%-417.3pp | 20.14%-11.5pp |
| Employer contribution / active EE | $683 | $1,672-59.1% | $2,470-72.3% | $2,281-70.1% |
| Participant deferral / active EE | $1,944 | $2,686-27.6% | $3,497-44.4% | $3,203-39.3% |
| Admin fee / account holder | $330 | $4,393-92.5% | $5,481-94.0% | $4,296-92.3% |