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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 | $29,474 | $142,972-79.4% | $214,702-86.3% | $86,983-66.1% |
| Participation rate | 58.6% | 84.9%-26.2pp | 87.5%-28.8pp | 69.5%-10.9pp |
| Annual return | 17.36% | 18.49%-1.1pp | 54.55%-37.2pp | 25.83%-8.5pp |
| Employer contribution / active EE | $1,440 | $4,635-68.9% | $6,461-77.7% | $2,584-44.3% |
| Participant deferral / active EE | $3,538 | $6,568-46.1% | $9,147-61.3% | $4,194-15.6% |
| Admin fee / account holder | $2,485 | $17,617-85.9% | $19,830-87.5% | $7,856-68.4% |