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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 | $21,518 | $86,298-75.1% | $111,308-80.7% | $85,847-74.9% |
| Participation rate | 27.6% | 73.3%-45.7pp | 77.3%-49.7pp | 69.3%-41.7pp |
| Annual return | 13.76% | 19.99%-6.2pp | 54.67%-40.9pp | 318.61%-304.8pp |
| Employer contribution / active EE | $839 | $2,044-58.9% | $2,732-69.3% | $2,565-67.3% |
| Participant deferral / active EE | $1,693 | $3,641-53.5% | $4,487-62.3% | $3,952-57.2% |
| Admin fee / account holder | $7,783 | $8,189-5.0% | $7,965-2.3% | $6,261+24.3% |