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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 | $20,288 | $93,345-78.3% | $119,126-83.0% | $87,485-76.8% |
| Participation rate | 53.4% | 68.7%-15.3pp | 75.8%-22.4pp | 68.9%-15.5pp |
| Annual return | 17.48% | 19.08%-1.6pp | 282.11%-264.6pp | 26.06%-8.6pp |
| Employer contribution / active EE | $1,345 | $3,172-57.6% | $4,034-66.6% | $2,596-48.2% |
| Participant deferral / active EE | $2,614 | $4,099-36.2% | $5,318-50.8% | $4,274-38.8% |
| Admin fee / account holder | $2,791 | $8,039-65.3% | $10,693-73.9% | $7,775-64.1% |