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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 | $25,587 | $78,707-67.5% | $117,861-78.3% | $70,126-63.5% |
| Participation rate | 51.8% | 73.2%-21.4pp | 79.7%-27.9pp | 69.5%-17.7pp |
| Annual return | 19.62% | 23.30%-3.7pp | 335.11%-315.5pp | 73.15%-53.5pp |
| Employer contribution / active EE | $1,148 | $2,223-48.4% | $3,786-69.7% | $2,343-51.0% |
| Participant deferral / active EE | $2,575 | $3,297-21.9% | $4,482-42.6% | $3,332-22.7% |
| Admin fee / account holder | $310 | $5,066-93.9% | $8,021-96.1% | $4,645-93.3% |