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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 | $19,583 | $75,058-73.9% | $152,301-87.1% | $64,340-69.6% |
| Participation rate | 54.5% | 60.9%-6.4pp | 82.4%-27.9pp | 55.2%-0.7pp |
| Annual return | 18.41% | 29.93%-11.5pp | 80.50%-62.1pp | 24.14%-5.7pp |
| Employer contribution / active EE | $1,617 | $2,605-37.9% | $4,624-65.0% | $1,862-13.2% |
| Participant deferral / active EE | $2,477 | $5,041-50.9% | $8,004-69.1% | $2,980-16.9% |
| Admin fee / account holder | $880 | $4,050-78.3% | $14,398-93.9% | $3,703-76.2% |