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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 | $34,283 | $101,950-66.4% | $125,529-72.7% | $86,983-60.6% |
| Participation rate | 63.3% | 70.2%-6.8pp | 74.7%-11.4pp | 69.5%-6.2pp |
| Annual return | 18.12% | 18.29%-0.2pp | 202.56%-184.4pp | 25.83%-7.7pp |
| Employer contribution / active EE | $1,819 | $2,358-22.8% | $3,058-40.5% | $2,584-29.6% |
| Participant deferral / active EE | $2,871 | $3,862-25.7% | $4,813-40.3% | $4,194-31.5% |
| Admin fee / account holder | $4,371 | $12,791-65.8% | $16,298-73.2% | $7,856-44.4% |