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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 | $26,911 | $94,031-71.4% | $115,768-76.8% | $82,448-67.4% |
| Participation rate | 47.7% | 70.4%-22.7pp | 74.4%-26.7pp | 68.1%-20.3pp |
| Annual return | 15.65% | 20.61%-5.0pp | 100.46%-84.8pp | 41.64%-26.0pp |
| Employer contribution / active EE | $1,310 | $2,323-43.6% | $2,940-55.4% | $2,551-48.6% |
| Participant deferral / active EE | $2,016 | $3,972-49.3% | $4,917-59.0% | $4,139-51.3% |
| Admin fee / account holder | $3,367 | $10,249-67.2% | $12,439-72.9% | $7,234-53.5% |