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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 | $21,901 | $70,418-68.9% | $96,570-77.3% | $85,847-74.5% |
| Participation rate | 53.3% | 61.8%-8.5pp | 69.8%-16.5pp | 69.3%-16.0pp |
| Annual return | 11.99% | 18.59%-6.6pp | 37.79%-25.8pp | 318.61%-306.6pp |
| Employer contribution / active EE | $1,264 | $1,413-10.5% | $2,357-46.4% | $2,565-50.7% |
| Participant deferral / active EE | $2,613 | $2,894-9.7% | $3,849-32.1% | $3,952-33.9% |
| Admin fee / account holder | $2,833 | $4,995-43.3% | $6,182-54.2% | $6,261-54.7% |