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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 | $18,697 | $83,369-77.6% | $105,223-82.2% | $67,986-72.5% |
| Participation rate | 44.4% | 56.3%-11.8pp | 75.0%-30.6pp | 57.2%-12.8pp |
| Annual return | 14.89% | 24.64%-9.8pp | 180.65%-165.8pp | 31.67%-16.8pp |
| Employer contribution / active EE | $778 | $2,541-69.4% | $3,689-78.9% | $2,019-61.5% |
| Participant deferral / active EE | $1,580 | $3,295-52.0% | $5,072-68.8% | $3,358-52.9% |
| Admin fee / account holder | $1,683 | $4,073-58.7% | $8,859-81.0% | $3,203-47.5% |