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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 | $21,913 | $80,705-72.8% | $115,768-81.1% | $67,986-67.8% |
| Participation rate | 35.6% | 63.0%-27.4pp | 74.4%-38.8pp | 57.2%-21.7pp |
| Annual return | 16.39% | 18.49%-2.1pp | 100.46%-84.1pp | 31.67%-15.3pp |
| Employer contribution / active EE | $1,078 | $2,046-47.3% | $2,940-63.3% | $2,019-46.6% |
| Participant deferral / active EE | $1,584 | $3,559-55.5% | $4,917-67.8% | $3,358-52.8% |
| Admin fee / account holder | $3,260 | $4,135-21.2% | $12,439-73.8% | $3,203+1.8% |