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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 | $27,583 | $87,106-68.3% | $105,607-73.9% | $80,935-65.9% |
| Participation rate | 52.8% | 70.4%-17.6pp | 75.3%-22.4pp | 67.7%-14.8pp |
| Annual return | 10.87% | 17.01%-6.1pp | 116.11%-105.2pp | 35.66%-24.8pp |
| Employer contribution / active EE | $1,194 | $2,396-50.2% | $3,167-62.3% | $2,757-56.7% |
| Participant deferral / active EE | $2,473 | $3,986-38.0% | $5,011-50.7% | $4,299-42.5% |
| Admin fee / account holder | $2,111 | $8,447-75.0% | $10,958-80.7% | $6,924-69.5% |