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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 | $26,674 | $83,369-68.0% | $105,223-74.7% | $67,986-60.8% |
| Participation rate | 29.0% | 56.3%-27.3pp | 75.0%-46.1pp | 57.2%-28.2pp |
| Annual return | 18.87% | 24.64%-5.8pp | 180.65%-161.8pp | 31.67%-12.8pp |
| Employer contribution / active EE | $973 | $2,541-61.7% | $3,689-73.6% | $2,019-51.8% |
| Participant deferral / active EE | $1,493 | $3,295-54.7% | $5,072-70.6% | $3,358-55.6% |
| Admin fee / account holder | $2,300 | $4,073-43.5% | $8,859-74.0% | $3,203-28.2% |