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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 | $25,870 | $80,763-68.0% | $102,412-74.7% | $74,459-65.3% |
| Participation rate | 51.6% | 65.7%-14.0pp | 74.5%-22.9pp | 67.2%-15.6pp |
| Annual return | 12.36% | 27.57%-15.2pp | 24.94%-12.6pp | 1369.70%-1357.3pp |
| Employer contribution / active EE | $1,632 | $3,160-48.4% | $3,870-57.8% | $2,626-37.9% |
| Participant deferral / active EE | $2,375 | $3,862-38.5% | $5,060-53.1% | $4,350-45.4% |
| Admin fee / account holder | $6,572 | $2,371+177.1% | $8,388-21.7% | $1,945+237.9% |