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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 | $24,745 | $78,423-68.4% | $95,964-74.2% | $79,856-69.0% |
| Participation rate | 65.3% | 73.5%-8.2pp | 77.1%-11.8pp | 69.6%-4.3pp |
| Annual return | 17.04% | 19.37%-2.3pp | 91.64%-74.6pp | 31.71%-14.7pp |
| Employer contribution / active EE | $1,178 | $1,945-39.4% | $2,541-53.6% | $2,471-52.3% |
| Participant deferral / active EE | $2,390 | $3,440-30.5% | $4,167-42.6% | $3,741-36.1% |
| Admin fee / account holder | $489 | $5,622-91.3% | $6,797-92.8% | $5,306-90.8% |