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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 | $23,060 | $101,798-77.3% | $165,071-86.0% | $80,935-71.5% |
| Participation rate | 36.1% | 71.8%-35.8pp | 78.6%-42.6pp | 67.7%-31.6pp |
| Annual return | 16.65% | 16.73%-0.1pp | 70.17%-53.5pp | 35.66%-19.0pp |
| Employer contribution / active EE | $1,385 | $2,954-53.1% | $4,347-68.1% | $2,757-49.8% |
| Participant deferral / active EE | $2,138 | $4,476-52.2% | $6,035-64.6% | $4,299-50.3% |
| Admin fee / account holder | $2,941 | $8,221-64.2% | $12,695-76.8% | $6,924-57.5% |