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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 | $17,418 | $56,197-69.0% | $67,652-74.3% | $59,633-70.8% |
| Participation rate | 40.4% | 71.5%-31.0pp | 75.7%-35.2pp | 68.7%-28.2pp |
| Annual return | 1.25% | 18508.10%-18506.9pp | 6625.40%-6624.1pp | 2041.45%-2040.2pp |
| Employer contribution / active EE | $1,397 | $1,615-13.5% | $2,266-38.3% | $2,203-36.6% |
| Participant deferral / active EE | $3,159 | $2,844+11.1% | $3,560-11.3% | $3,192-1.0% |
| Admin fee / account holder | $1,780 | $3,958-55.0% | $4,821-63.1% | $4,297-58.6% |