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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 | $27,284 | $66,319-58.9% | $93,621-70.9% | $65,185-58.1% |
| Participation rate | 46.5% | 74.0%-27.5pp | 75.8%-29.3pp | 70.2%-23.7pp |
| Annual return | 22.95% | 42.59%-19.6pp | 32.76%-9.8pp | 29.38%-6.4pp |
| Employer contribution / active EE | $1,031 | $2,013-48.8% | $2,719-62.1% | $2,177-52.6% |
| Participant deferral / active EE | $2,152 | $3,343-35.6% | $4,070-47.1% | $3,514-38.7% |
| Admin fee / account holder | $2,583 | $6,900-62.6% | $7,890-67.3% | $847+204.9% |