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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 | $19,588 | $156,616-87.5% | $133,346-85.3% | $198,609-90.1% |
| Participation rate | 50.0% | 77.7%-27.7pp | 72.8%-22.8pp | 82.4%-32.4pp |
| Annual return | 13.60% | 44.25%-30.6pp | 36.85%-23.2pp | 202.70%-189.1pp |
| Employer contribution / active EE | $997 | $3,368-70.4% | $2,853-65.1% | $5,055-80.3% |
| Participant deferral / active EE | $1,994 | $4,920-59.5% | $4,332-54.0% | $6,977-71.4% |
| Admin fee / account holder | $1,764 | $17,468-89.9% | $14,264-87.6% | $19,030-90.7% |