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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 | $18,595 | $84,936-78.1% | $111,308-83.3% | $79,391-76.6% |
| Participation rate | 53.8% | 75.9%-22.0pp | 77.3%-23.5pp | 70.7%-16.9pp |
| Annual return | 13.95% | 17.45%-3.5pp | 54.67%-40.7pp | 116.88%-102.9pp |
| Employer contribution / active EE | $1,459 | $1,979-26.3% | $2,732-46.6% | $2,428-39.9% |
| Participant deferral / active EE | $2,417 | $3,888-37.8% | $4,487-46.1% | $4,046-40.3% |
| Admin fee / account holder | $6,146 | $537+1044.2% | $7,965-22.8% | $627+881.0% |