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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 | $24,665 | $149,679-83.5% | $117,039-78.9% | $147,586-83.3% |
| Participation rate | 47.1% | 83.5%-36.4pp | 77.2%-30.1pp | 82.8%-35.8pp |
| Annual return | 15.98% | 19.31%-3.3pp | 18.95%-3.0pp | 578.59%-562.6pp |
| Employer contribution / active EE | $2,103 | $4,937-57.4% | $3,785-44.4% | $4,876-56.9% |
| Participant deferral / active EE | $2,739 | $4,912-44.2% | $3,929-30.3% | $5,439-49.6% |
| Admin fee / account holder | $2,565 | $7,856-67.4% | $5,974-57.1% | $10,886-76.4% |