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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 | $26,774 | $83,485-67.9% | $125,195-78.6% | $72,976-63.3% |
| Participation rate | 50.0% | 73.3%-23.3pp | 79.8%-29.8pp | 69.5%-19.5pp |
| Annual return | 29.59% | 25.77%+3.8pp | 43.79%-14.2pp | 81.02%-51.4pp |
| Employer contribution / active EE | $866 | $2,346-63.1% | $3,866-77.6% | $2,440-64.5% |
| Participant deferral / active EE | $1,841 | $3,586-48.7% | $4,937-62.7% | $3,608-49.0% |
| Admin fee / account holder | $1,112 | $5,518-79.8% | $9,704-88.5% | $5,124-78.3% |