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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 | $17,382 | $78,428-77.8% | $95,960-81.9% | $79,852-78.2% |
| Participation rate | 62.2% | 73.5%-11.3pp | 77.1%-14.9pp | 69.6%-7.5pp |
| Annual return | 37.93% | 19.37%+18.6pp | 91.63%-53.7pp | 31.72%+6.2pp |
| Employer contribution / active EE | $1,030 | $1,945-47.0% | $2,541-59.5% | $2,471-58.3% |
| Participant deferral / active EE | $2,647 | $3,440-23.1% | $4,167-36.5% | $3,740-29.2% |
| Admin fee / account holder | $1,501 | $5,622-73.3% | $6,797-77.9% | $5,306-71.7% |