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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 | $28,086 | $93,182-69.9% | $146,647-80.8% | $79,389-64.6% |
| Participation rate | 68.1% | 76.4%-8.3pp | 80.1%-11.9pp | 70.7%-2.6pp |
| Annual return | 12.44% | 21.61%-9.2pp | 22.75%-10.3pp | 116.89%-104.5pp |
| Employer contribution / active EE | $1,241 | $2,420-48.7% | $4,137-70.0% | $2,428-48.9% |
| Participant deferral / active EE | $2,968 | $4,169-28.8% | $5,506-46.1% | $4,046-26.6% |
| Admin fee / account holder | $3,866 | $585+560.8% | $10,281-62.4% | $626+517.2% |