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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 | $19,522 | $88,672-78.0% | $105,223-81.4% | $82,448-76.3% |
| Participation rate | 48.1% | 67.9%-19.8pp | 75.0%-27.0pp | 68.1%-20.0pp |
| Annual return | 20.52% | 30.86%-10.3pp | 180.65%-160.1pp | 41.64%-21.1pp |
| Employer contribution / active EE | $1,487 | $3,048-51.2% | $3,689-59.7% | $2,551-41.7% |
| Participant deferral / active EE | $2,166 | $4,036-46.3% | $5,072-57.3% | $4,139-47.7% |
| Admin fee / account holder | $11,376 | $7,146+59.2% | $8,859+28.4% | $7,234+57.3% |