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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 | $21,489 | $54,573-60.6% | $90,965-76.4% | $73,493-70.8% |
| Participation rate | 51.0% | 61.2%-10.2pp | 69.0%-18.0pp | 70.7%-19.7pp |
| Annual return | 36.45% | 16.69%+19.8pp | 134.57%-98.1pp | 28.51%+7.9pp |
| Employer contribution / active EE | $998 | $991+0.7% | $2,122-53.0% | $2,270-56.0% |
| Participant deferral / active EE | $2,536 | $2,517+0.8% | $3,373-24.8% | $3,740-32.2% |
| Admin fee / account holder | $1,046 | $521+100.6% | $5,960-82.5% | $513+103.8% |