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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 | $21,896 | $105,248-79.2% | $147,318-85.1% | $71,012-69.2% |
| Participation rate | 33.3% | 66.1%-32.8pp | 82.1%-48.7pp | 58.6%-25.2pp |
| Annual return | 19.18% | 26.02%-6.8pp | 70.43%-51.3pp | 37.67%-18.5pp |
| Employer contribution / active EE | $394 | $3,785-89.6% | $4,593-91.4% | $2,348-83.2% |
| Participant deferral / active EE | $1,258 | $6,452-80.5% | $7,906-84.1% | $3,246-61.3% |
| Admin fee / account holder | $2,075 | $862+140.6% | $13,708-84.9% | $1,167+77.8% |