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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 | $20,344 | $65,027-68.7% | $90,970-77.6% | $79,852-74.5% |
| Participation rate | 38.2% | 61.6%-23.4pp | 69.0%-30.8pp | 69.6%-31.5pp |
| Annual return | 12.64% | 30.45%-17.8pp | 134.58%-121.9pp | 31.72%-19.1pp |
| Employer contribution / active EE | $614 | $1,247-50.7% | $2,122-71.1% | $2,471-75.1% |
| Participant deferral / active EE | $1,406 | $2,512-44.0% | $3,373-58.3% | $3,740-62.4% |
| Admin fee / account holder | $2,534 | $4,535-44.1% | $5,960-57.5% | $5,306-52.2% |