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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 | $31,622 | $97,648-67.6% | $121,663-74.0% | $87,485-63.9% |
| Participation rate | 58.3% | 70.5%-12.1pp | 74.5%-16.2pp | 68.9%-10.6pp |
| Annual return | 11.94% | 18.03%-6.1pp | 147.54%-135.6pp | 26.06%-14.1pp |
| Employer contribution / active EE | $785 | $2,300-65.9% | $3,020-74.0% | $2,596-69.8% |
| Participant deferral / active EE | $2,420 | $3,923-38.3% | $4,887-50.5% | $4,274-43.4% |
| Admin fee / account holder | $5,648 | $11,100-49.1% | $14,289-60.5% | $7,775-27.4% |