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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 | $18,001 | $93,589-80.8% | $135,942-86.8% | $75,181-76.1% |
| Participation rate | 51.8% | 75.2%-23.4pp | 81.9%-30.1pp | 67.2%-15.4pp |
| Annual return | 25.55% | 30.90%-5.4pp | 68.28%-42.7pp | 160.69%-135.1pp |
| Employer contribution / active EE | $1,523 | $3,537-57.0% | $4,858-68.7% | $2,671-43.0% |
| Participant deferral / active EE | $3,349 | $6,405-47.7% | $7,759-56.8% | $4,126-18.8% |
| Admin fee / account holder | $1,287 | $6,977-81.6% | $10,764-88.0% | $5,650-77.2% |