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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 | $18,484 | $78,423-76.4% | $95,964-80.7% | $79,856-76.9% |
| Participation rate | 36.8% | 73.5%-36.6pp | 77.1%-40.2pp | 69.6%-32.8pp |
| Annual return | 35.31% | 19.37%+15.9pp | 91.64%-56.3pp | 31.71%+3.6pp |
| Employer contribution / active EE | $556 | $1,945-71.4% | $2,541-78.1% | $2,471-77.5% |
| Participant deferral / active EE | $1,903 | $3,440-44.7% | $4,167-54.3% | $3,741-49.1% |
| Admin fee / account holder | $1,067 | $5,622-81.0% | $6,797-84.3% | $5,306-79.9% |