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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 | $21,616 | $94,031-77.0% | $115,768-81.3% | $82,448-73.8% |
| Participation rate | 38.7% | 70.4%-31.7pp | 74.4%-35.7pp | 68.1%-29.4pp |
| Annual return | 15.56% | 20.61%-5.0pp | 100.46%-84.9pp | 41.64%-26.1pp |
| Employer contribution / active EE | $812 | $2,323-65.1% | $2,940-72.4% | $2,551-68.2% |
| Participant deferral / active EE | $1,724 | $3,972-56.6% | $4,917-64.9% | $4,139-58.4% |
| Admin fee / account holder | $4,881 | $10,249-52.4% | $12,439-60.8% | $7,234-32.5% |