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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 | $26,537 | $87,059-69.5% | $105,608-74.9% | $80,925-67.2% |
| Participation rate | 57.7% | 70.4%-12.8pp | 75.3%-17.6pp | 67.7%-10.0pp |
| Annual return | 17.92% | 17.05%+0.9pp | 116.50%-98.6pp | 35.65%-17.7pp |
| Employer contribution / active EE | $1,621 | $2,396-32.4% | $3,167-48.8% | $2,756-41.2% |
| Participant deferral / active EE | $5,387 | $3,986+35.1% | $5,010+7.5% | $4,299+25.3% |
| Admin fee / account holder | $1,153 | $8,443-86.3% | $11,028-89.5% | $6,940-83.4% |