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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 | $17,926 | $75,058-76.1% | $152,301-88.2% | $64,340-72.1% |
| Participation rate | 32.2% | 60.9%-28.7pp | 82.4%-50.3pp | 55.2%-23.1pp |
| Annual return | 19.33% | 29.93%-10.6pp | 80.50%-61.2pp | 24.14%-4.8pp |
| Employer contribution / active EE | $530 | $2,605-79.6% | $4,624-88.5% | $1,862-71.5% |
| Participant deferral / active EE | $1,285 | $5,041-74.5% | $8,004-83.9% | $2,980-56.9% |
| Admin fee / account holder | $1,572 | $4,050-61.2% | $14,398-89.1% | $3,703-57.5% |