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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 | $21,522 | $78,428-72.6% | $95,960-77.6% | $79,852-73.0% |
| Participation rate | 60.6% | 73.5%-12.9pp | 77.1%-16.5pp | 69.6%-9.1pp |
| Annual return | 17.95% | 19.37%-1.4pp | 91.63%-73.7pp | 31.72%-13.8pp |
| Employer contribution / active EE | $759 | $1,945-61.0% | $2,541-70.1% | $2,471-69.3% |
| Participant deferral / active EE | $2,477 | $3,440-28.0% | $4,167-40.6% | $3,740-33.8% |
| Admin fee / account holder | $2,326 | $5,622-58.6% | $6,797-65.8% | $5,306-56.2% |