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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 | $18,990 | $87,132-78.2% | $105,624-82.0% | $80,959-76.5% |
| Participation rate | 49.1% | 70.4%-21.3pp | 75.3%-26.2pp | 67.7%-18.5pp |
| Annual return | 12.11% | 17.03%-4.9pp | 116.20%-104.1pp | 35.67%-23.6pp |
| Employer contribution / active EE | $916 | $2,397-61.8% | $3,168-71.1% | $2,757-66.8% |
| Participant deferral / active EE | $2,072 | $3,985-48.0% | $5,013-58.7% | $4,300-51.8% |
| Admin fee / account holder | $1,288 | $8,449-84.8% | $10,961-88.2% | $6,925-81.4% |