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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 | $25,384 | $69,977-63.7% | $108,582-76.6% | $62,881-59.6% |
| Participation rate | 51.7% | 72.9%-21.2pp | 79.6%-27.8pp | 69.3%-17.6pp |
| Annual return | 8.33% | 10.73%-2.4pp | -51.70%+60.0pp | 20.14%-11.8pp |
| Employer contribution / active EE | $772 | $2,135-63.8% | $3,758-79.5% | $2,281-66.2% |
| Participant deferral / active EE | $3,974 | $3,165+25.6% | $4,311-7.8% | $3,203+24.1% |
| Admin fee / account holder | $2,455 | $5,076-51.6% | $7,645-67.9% | $4,296-42.9% |