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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 | $28,245 | $91,559-69.2% | $133,959-78.9% | $79,858-64.6% |
| Participation rate | 54.7% | 73.3%-18.6pp | 79.8%-25.1pp | 69.6%-14.9pp |
| Annual return | 14.77% | 61.85%-47.1pp | 45.09%-30.3pp | 31.72%-16.9pp |
| Employer contribution / active EE | $1,058 | $2,384-55.6% | $3,919-73.0% | $2,471-57.2% |
| Participant deferral / active EE | $3,226 | $3,734-13.6% | $5,047-36.1% | $3,740-13.7% |
| Admin fee / account holder | $5,024 | $6,321-20.5% | $8,928-43.7% | $5,306-5.3% |