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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 | $20,913 | $58,828-64.5% | $78,002-73.2% | $62,881-66.7% |
| Participation rate | 56.3% | 71.1%-14.8pp | 75.5%-19.3pp | 69.3%-13.1pp |
| Annual return | 7.36% | 17.16%-9.8pp | 425.99%-418.6pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,173 | $1,672-29.8% | $2,470-52.5% | $2,281-48.6% |
| Participant deferral / active EE | $2,008 | $2,686-25.2% | $3,497-42.6% | $3,203-37.3% |
| Admin fee / account holder | $1,276 | $4,393-71.0% | $5,481-76.7% | $4,296-70.3% |