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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 | $18,639 | $91,559-79.6% | $133,978-86.1% | $79,856-76.7% |
| Participation rate | 50.0% | 73.3%-23.3pp | 79.8%-29.8pp | 69.6%-19.6pp |
| Annual return | 12.75% | 61.85%-49.1pp | 45.10%-32.4pp | 31.71%-19.0pp |
| Employer contribution / active EE | $1,153 | $2,384-51.6% | $3,919-70.6% | $2,471-53.3% |
| Participant deferral / active EE | $2,835 | $3,734-24.1% | $5,047-43.8% | $3,741-24.2% |
| Admin fee / account holder | $1,809 | $6,321-71.4% | $8,930-79.7% | $5,306-65.9% |