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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 | $21,189 | $78,672-73.1% | $109,163-80.6% | $85,856-75.3% |
| Participation rate | 46.2% | 68.3%-22.1pp | 75.9%-29.7pp | 69.3%-23.2pp |
| Annual return | 19.32% | 25.09%-5.8pp | 25.75%-6.4pp | 318.58%-299.3pp |
| Employer contribution / active EE | $1,378 | $2,734-49.6% | $3,723-63.0% | $2,565-46.3% |
| Participant deferral / active EE | $2,877 | $3,467-17.0% | $4,654-38.2% | $3,952-27.2% |
| Admin fee / account holder | $879 | $5,470-83.9% | $6,754-87.0% | $6,261-86.0% |