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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 | $27,557 | $83,485-67.0% | $125,195-78.0% | $72,976-62.2% |
| Participation rate | 55.1% | 73.3%-18.2pp | 79.8%-24.7pp | 69.5%-14.4pp |
| Annual return | 23.05% | 25.77%-2.7pp | 43.79%-20.7pp | 81.02%-58.0pp |
| Employer contribution / active EE | $799 | $2,346-65.9% | $3,866-79.3% | $2,440-67.3% |
| Participant deferral / active EE | $2,151 | $3,586-40.0% | $4,937-56.4% | $3,608-40.4% |
| Admin fee / account holder | $1,635 | $5,518-70.4% | $9,704-83.1% | $5,124-68.1% |