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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 | $30,112 | $83,898-64.1% | $133,346-77.4% | $94,015-68.0% |
| Participation rate | 35.7% | 63.4%-27.6pp | 72.8%-37.1pp | 70.8%-35.1pp |
| Annual return | 14.62% | 16.00%-1.4pp | 36.85%-22.2pp | 17.84%-3.2pp |
| Employer contribution / active EE | $563 | $1,821-69.1% | $2,853-80.3% | $2,790-79.8% |
| Participant deferral / active EE | $2,595 | $3,245-20.0% | $4,332-40.1% | $4,249-38.9% |
| Admin fee / account holder | $5,656 | $7,809-27.6% | $14,264-60.3% | $8,951-36.8% |