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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 | $24,132 | $102,429-76.4% | $147,096-83.6% | $80,925-70.2% |
| Participation rate | 48.3% | 75.9%-27.6pp | 82.2%-33.9pp | 67.7%-19.4pp |
| Annual return | 15.81% | 135.02%-119.2pp | 419.75%-403.9pp | 35.65%-19.8pp |
| Employer contribution / active EE | $1,061 | $3,716-71.5% | $4,936-78.5% | $2,756-61.5% |
| Participant deferral / active EE | $3,545 | $6,649-46.7% | $8,071-56.1% | $4,299-17.5% |
| Admin fee / account holder | $524 | $7,957-93.4% | $13,005-96.0% | $6,940-92.5% |