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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 | $29,663 | $97,648-69.6% | $121,663-75.6% | $87,485-66.1% |
| Participation rate | 68.0% | 70.5%-2.5pp | 74.5%-6.5pp | 68.9%-0.9pp |
| Annual return | 16.36% | 18.03%-1.7pp | 147.54%-131.2pp | 26.06%-9.7pp |
| Employer contribution / active EE | $1,758 | $2,300-23.6% | $3,020-41.8% | $2,596-32.3% |
| Participant deferral / active EE | $3,352 | $3,923-14.6% | $4,887-31.4% | $4,274-21.6% |
| Admin fee / account holder | $2,258 | $11,100-79.7% | $14,289-84.2% | $7,775-71.0% |