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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 | $19,490 | $78,423-75.1% | $95,964-79.7% | $79,856-75.6% |
| Participation rate | 64.3% | 73.5%-9.2pp | 77.1%-12.8pp | 69.6%-5.4pp |
| Annual return | 18.32% | 19.37%-1.1pp | 91.64%-73.3pp | 31.71%-13.4pp |
| Employer contribution / active EE | $1,568 | $1,945-19.4% | $2,541-38.3% | $2,471-36.6% |
| Participant deferral / active EE | $2,615 | $3,440-24.0% | $4,167-37.2% | $3,741-30.1% |
| Admin fee / account holder | $1,832 | $5,622-67.4% | $6,797-73.1% | $5,306-65.5% |