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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 | $18,262 | $86,298-78.8% | $111,308-83.6% | $85,847-78.7% |
| Participation rate | 54.3% | 73.3%-19.0pp | 77.3%-23.0pp | 69.3%-15.0pp |
| Annual return | 15.42% | 19.99%-4.6pp | 54.67%-39.2pp | 318.61%-303.2pp |
| Employer contribution / active EE | $747 | $2,044-63.4% | $2,732-72.6% | $2,565-70.9% |
| Participant deferral / active EE | $1,735 | $3,641-52.4% | $4,487-61.3% | $3,952-56.1% |
| Admin fee / account holder | $2,088 | $8,189-74.5% | $7,965-73.8% | $6,261-66.7% |