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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 | $24,783 | $108,825-77.2% | $156,181-84.1% | $82,448-69.9% |
| Participation rate | 52.9% | 72.4%-19.4pp | 78.8%-25.9pp | 68.1%-15.1pp |
| Annual return | 15.21% | 20.59%-5.4pp | 64.87%-49.7pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,305 | $2,870-54.5% | $4,294-69.6% | $2,551-48.9% |
| Participant deferral / active EE | $2,216 | $4,577-51.6% | $6,132-63.9% | $4,139-46.5% |
| Admin fee / account holder | $1,671 | $9,341-82.1% | $14,586-88.5% | $7,234-76.9% |