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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 | $24,390 | $83,485-70.8% | $125,195-80.5% | $72,976-66.6% |
| Participation rate | 46.7% | 73.3%-26.6pp | 79.8%-33.1pp | 69.5%-22.8pp |
| Annual return | 17.35% | 25.77%-8.4pp | 43.79%-26.4pp | 81.02%-63.7pp |
| Employer contribution / active EE | $929 | $2,346-60.4% | $3,866-76.0% | $2,440-61.9% |
| Participant deferral / active EE | $2,103 | $3,586-41.4% | $4,937-57.4% | $3,608-41.7% |
| Admin fee / account holder | $3,309 | $5,518-40.0% | $9,704-65.9% | $5,124-35.4% |