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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 | $94,436-71.5% | $115,599-76.7% | $82,637-67.4% |
| Participation rate | 47.7% | 70.4%-22.7pp | 74.3%-26.5pp | 68.1%-20.3pp |
| Annual return | 15.65% | 18.37%-2.7pp | 111.10%-95.4pp | 53.51%-37.9pp |
| Employer contribution / active EE | $1,310 | $2,324-43.6% | $2,955-55.7% | $2,552-48.7% |
| Participant deferral / active EE | $2,016 | $3,955-49.0% | $4,889-58.8% | $4,126-51.2% |
| Admin fee / account holder | $3,367 | $10,328-67.4% | $12,841-73.8% | $7,339-54.1% |