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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 | $28,012 | $79,209-64.6% | $102,434-72.7% | $74,459-62.4% |
| Participation rate | 51.9% | 74.8%-22.9pp | 76.5%-24.6pp | 67.2%-15.3pp |
| Annual return | 15.53% | 54.98%-39.5pp | 29.46%-13.9pp | 1369.70%-1354.2pp |
| Employer contribution / active EE | $1,789 | $2,362-24.3% | $3,023-40.8% | $2,626-31.9% |
| Participant deferral / active EE | $2,784 | $4,417-37.0% | $5,055-44.9% | $4,350-36.0% |
| Admin fee / account holder | $1,036 | $2,002-48.3% | $9,462-89.1% | $1,945-46.7% |