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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 | $20,111 | $67,411-70.2% | $91,004-77.9% | $70,126-71.3% |
| Participation rate | 27.8% | 71.4%-43.6pp | 75.6%-47.8pp | 69.5%-41.8pp |
| Annual return | 24.40% | -40.16%+64.6pp | 4.60%+19.8pp | 73.15%-48.7pp |
| Employer contribution / active EE | $980 | $1,786-45.1% | $2,456-60.1% | $2,343-58.2% |
| Participant deferral / active EE | $2,253 | $2,823-20.2% | $3,548-36.5% | $3,332-32.4% |
| Admin fee / account holder | $892 | $4,236-78.9% | $5,417-83.5% | $4,645-80.8% |