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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 | $23,550 | $91,559-74.3% | $133,978-82.4% | $79,856-70.5% |
| Participation rate | 63.5% | 73.3%-9.8pp | 79.8%-16.3pp | 69.6%-6.1pp |
| Annual return | 13.85% | 61.85%-48.0pp | 45.10%-31.2pp | 31.71%-17.9pp |
| Employer contribution / active EE | $1,047 | $2,384-56.1% | $3,919-73.3% | $2,471-57.6% |
| Participant deferral / active EE | $1,815 | $3,734-51.4% | $5,047-64.0% | $3,741-51.5% |
| Admin fee / account holder | $3,229 | $6,321-48.9% | $8,930-63.8% | $5,306-39.2% |