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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 | $29,803 | $91,559-67.4% | $133,959-77.8% | $79,858-62.7% |
| Participation rate | 54.3% | 73.3%-19.1pp | 79.8%-25.6pp | 69.6%-15.3pp |
| Annual return | 27.82% | 61.85%-34.0pp | 45.09%-17.3pp | 31.72%-3.9pp |
| Employer contribution / active EE | $1,811 | $2,384-24.0% | $3,919-53.8% | $2,471-26.7% |
| Participant deferral / active EE | $3,510 | $3,734-6.0% | $5,047-30.5% | $3,740-6.1% |
| Admin fee / account holder | $1,811 | $6,321-71.4% | $8,928-79.7% | $5,306-65.9% |