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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 | $18,890 | $101,798-81.4% | $165,071-88.6% | $80,935-76.7% |
| Participation rate | 37.9% | 71.8%-33.9pp | 78.6%-40.7pp | 67.7%-29.7pp |
| Annual return | 14.33% | 16.73%-2.4pp | 70.17%-55.8pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,329 | $2,954-55.0% | $4,347-69.4% | $2,757-51.8% |
| Participant deferral / active EE | $2,469 | $4,476-44.8% | $6,035-59.1% | $4,299-42.6% |
| Admin fee / account holder | $3,605 | $8,221-56.2% | $12,695-71.6% | $6,924-47.9% |