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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 | $23,138 | $87,106-73.4% | $105,607-78.1% | $80,935-71.4% |
| Participation rate | 41.7% | 70.4%-28.8pp | 75.3%-33.6pp | 67.7%-26.0pp |
| Annual return | 13.41% | 17.01%-3.6pp | 116.11%-102.7pp | 35.66%-22.2pp |
| Employer contribution / active EE | $1,246 | $2,396-48.0% | $3,167-60.7% | $2,757-54.8% |
| Participant deferral / active EE | $2,052 | $3,986-48.5% | $5,011-59.1% | $4,299-52.3% |
| Admin fee / account holder | $4,052 | $8,447-52.0% | $10,958-63.0% | $6,924-41.5% |