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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 | $10,901 | $88,672-87.7% | $105,223-89.6% | $82,448-86.8% |
| Participation rate | 57.7% | 67.9%-10.2pp | 75.0%-17.4pp | 68.1%-10.4pp |
| Annual return | 19.29% | 30.86%-11.6pp | 180.65%-161.4pp | 41.64%-22.4pp |
| Employer contribution / active EE | $2,158 | $3,048-29.2% | $3,689-41.5% | $2,551-15.4% |
| Participant deferral / active EE | $3,207 | $4,036-20.5% | $5,072-36.8% | $4,139-22.5% |
| Admin fee / account holder | $486 | $7,146-93.2% | $8,859-94.5% | $7,234-93.3% |