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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 | $25,399 | $78,423-67.6% | $95,964-73.5% | $79,856-68.2% |
| Participation rate | 51.2% | 73.5%-22.3pp | 77.1%-25.9pp | 69.6%-18.5pp |
| Annual return | 15.58% | 19.37%-3.8pp | 91.64%-76.1pp | 31.71%-16.1pp |
| Employer contribution / active EE | $899 | $1,945-53.8% | $2,541-64.6% | $2,471-63.6% |
| Participant deferral / active EE | $1,599 | $3,440-53.5% | $4,167-61.6% | $3,741-57.2% |
| Admin fee / account holder | $3,692 | $5,622-34.3% | $6,797-45.7% | $5,306-30.4% |