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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 | $24,647 | $78,707-68.7% | $117,861-79.1% | $70,126-64.9% |
| Participation rate | 53.1% | 73.2%-20.1pp | 79.7%-26.5pp | 69.5%-16.4pp |
| Annual return | 19.19% | 23.30%-4.1pp | 335.11%-315.9pp | 73.15%-54.0pp |
| Employer contribution / active EE | $1,675 | $2,223-24.7% | $3,786-55.8% | $2,343-28.5% |
| Participant deferral / active EE | $2,484 | $3,297-24.7% | $4,482-44.6% | $3,332-25.5% |
| Admin fee / account holder | $2,092 | $5,066-58.7% | $8,021-73.9% | $4,645-55.0% |