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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 | $19,228 | $88,672-78.3% | $105,223-81.7% | $82,448-76.7% |
| Participation rate | 47.4% | 67.9%-20.6pp | 75.0%-27.7pp | 68.1%-20.7pp |
| Annual return | 17.11% | 30.86%-13.7pp | 180.65%-163.5pp | 41.64%-24.5pp |
| Employer contribution / active EE | $933 | $3,048-69.4% | $3,689-74.7% | $2,551-63.4% |
| Participant deferral / active EE | $2,276 | $4,036-43.6% | $5,072-55.1% | $4,139-45.0% |
| Admin fee / account holder | $1,736 | $7,146-75.7% | $8,859-80.4% | $7,234-76.0% |