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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 | $105,284-75.3% | $150,734-82.8% | $94,015-72.4% |
| Participation rate | 42.9% | 71.7%-28.9pp | 78.4%-35.6pp | 70.8%-28.0pp |
| Annual return | 18.76% | 15.67%+3.1pp | 600.81%-582.0pp | 17.84%+0.9pp |
| Employer contribution / active EE | $1,070 | $3,599-70.3% | $4,918-78.2% | $2,790-61.6% |
| Participant deferral / active EE | $2,279 | $4,274-46.7% | $5,610-59.4% | $4,249-46.4% |
| Admin fee / account holder | $967 | $9,839-90.2% | $14,905-93.5% | $8,951-89.2% |