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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 | $25,988 | $93,345-72.2% | $119,126-78.2% | $87,485-70.3% |
| Participation rate | 42.9% | 68.7%-25.9pp | 75.8%-32.9pp | 68.9%-26.1pp |
| Annual return | 18.76% | 19.08%-0.3pp | 282.11%-263.3pp | 26.06%-7.3pp |
| Employer contribution / active EE | $1,070 | $3,172-66.3% | $4,034-73.5% | $2,596-58.8% |
| Participant deferral / active EE | $2,279 | $4,099-44.4% | $5,318-57.1% | $4,274-46.7% |
| Admin fee / account holder | $967 | $8,039-88.0% | $10,693-91.0% | $7,775-87.6% |