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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 | $28,304 | $80,674-64.9% | $119,126-76.2% | $64,340-56.0% |
| Participation rate | 39.1% | 55.2%-16.2pp | 75.8%-36.7pp | 55.2%-16.2pp |
| Annual return | 12.66% | 26.86%-14.2pp | 282.11%-269.4pp | 24.14%-11.5pp |
| Employer contribution / active EE | $1,263 | $2,564-50.7% | $4,034-68.7% | $1,862-32.1% |
| Participant deferral / active EE | $2,190 | $3,053-28.3% | $5,318-58.8% | $2,980-26.5% |
| Admin fee / account holder | $4,678 | $4,559+2.6% | $10,693-56.3% | $3,703+26.3% |