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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 | $26,780 | $87,059-69.2% | $105,608-74.6% | $80,925-66.9% |
| Participation rate | 45.9% | 70.4%-24.5pp | 75.3%-29.4pp | 67.7%-21.8pp |
| Annual return | 12.41% | 17.05%-4.6pp | 116.50%-104.1pp | 35.65%-23.2pp |
| Employer contribution / active EE | $1,394 | $2,396-41.8% | $3,167-56.0% | $2,756-49.4% |
| Participant deferral / active EE | $2,231 | $3,986-44.0% | $5,010-55.5% | $4,299-48.1% |
| Admin fee / account holder | $480 | $8,443-94.3% | $11,028-95.7% | $6,940-93.1% |