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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 | $19,624 | $89,370-78.0% | $141,197-86.1% | $72,976-73.1% |
| Participation rate | 62.5% | 75.1%-12.6pp | 82.5%-20.0pp | 69.5%-7.0pp |
| Annual return | 28.75% | 111.88%-83.1pp | 71.41%-42.7pp | 81.02%-52.3pp |
| Employer contribution / active EE | $1,634 | $3,115-47.5% | $4,736-65.5% | $2,440-33.0% |
| Participant deferral / active EE | $2,723 | $5,419-49.8% | $6,710-59.4% | $3,608-24.5% |
| Admin fee / account holder | $1,484 | $5,957-75.1% | $10,265-85.5% | $5,124-71.0% |