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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 | $23,691 | $88,360-73.2% | $145,433-83.7% | $67,986-65.2% |
| Participation rate | 47.0% | 65.5%-18.5pp | 82.1%-35.1pp | 57.2%-10.2pp |
| Annual return | 15.89% | 63.15%-47.3pp | 66.58%-50.7pp | 31.67%-15.8pp |
| Employer contribution / active EE | $871 | $3,054-71.5% | $4,554-80.9% | $2,019-56.9% |
| Participant deferral / active EE | $3,116 | $5,932-47.5% | $7,897-60.5% | $3,358-7.2% |
| Admin fee / account holder | $3,174 | $3,313-4.2% | $13,129-75.8% | $3,203-0.9% |