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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 | $20,881 | $87,060-76.0% | $105,591-80.2% | $80,911-74.2% |
| Participation rate | 48.9% | 70.4%-21.6pp | 75.3%-26.4pp | 67.6%-18.8pp |
| Annual return | 12.51% | 17.05%-4.5pp | 116.43%-103.9pp | 35.63%-23.1pp |
| Employer contribution / active EE | $1,318 | $2,396-45.0% | $3,166-58.4% | $2,756-52.2% |
| Participant deferral / active EE | $1,880 | $3,986-52.8% | $5,008-62.5% | $4,297-56.3% |
| Admin fee / account holder | $1,969 | $8,442-76.7% | $11,024-82.1% | $6,935-71.6% |