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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 | $19,759 | $78,423-74.8% | $95,964-79.4% | $79,856-75.3% |
| Participation rate | 46.2% | 73.5%-27.3pp | 77.1%-30.9pp | 69.6%-23.5pp |
| Annual return | 15.08% | 19.37%-4.3pp | 91.64%-76.6pp | 31.71%-16.6pp |
| Employer contribution / active EE | $511 | $1,945-73.8% | $2,541-79.9% | $2,471-79.3% |
| Participant deferral / active EE | $2,108 | $3,440-38.7% | $4,167-49.4% | $3,741-43.7% |
| Admin fee / account holder | $2,294 | $5,622-59.2% | $6,797-66.3% | $5,306-56.8% |