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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 | $18,147 | $65,034-72.1% | $90,970-80.1% | $79,856-77.3% |
| Participation rate | 32.3% | 61.6%-29.3pp | 69.0%-36.7pp | 69.6%-37.3pp |
| Annual return | 16.92% | 30.45%-13.5pp | 134.60%-117.7pp | 31.71%-14.8pp |
| Employer contribution / active EE | $355 | $1,247-71.5% | $2,122-83.2% | $2,471-85.6% |
| Participant deferral / active EE | $1,379 | $2,512-45.1% | $3,373-59.1% | $3,741-63.1% |
| Admin fee / account holder | $2,655 | $4,536-41.5% | $5,961-55.5% | $5,306-50.0% |