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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 | $27,494 | $101,795-73.0% | $165,100-83.3% | $80,959-66.0% |
| Participation rate | 29.2% | 71.8%-42.6pp | 78.6%-49.4pp | 67.7%-38.4pp |
| Annual return | 14.03% | 16.73%-2.7pp | 70.21%-56.2pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,059 | $2,954-64.1% | $4,348-75.6% | $2,757-61.6% |
| Participant deferral / active EE | $2,257 | $4,476-49.6% | $6,035-62.6% | $4,300-47.5% |
| Admin fee / account holder | $3,419 | $8,221-58.4% | $12,696-73.1% | $6,925-50.6% |