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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 | $24,019 | $87,834-72.7% | $133,975-82.1% | $62,881-61.8% |
| Participation rate | 50.0% | 83.4%-33.4pp | 87.1%-37.1pp | 69.3%-19.3pp |
| Annual return | 9.07% | 12.05%-3.0pp | 29.29%-20.2pp | 20.14%-11.1pp |
| Employer contribution / active EE | $1,319 | $3,482-62.1% | $5,211-74.7% | $2,281-42.2% |
| Participant deferral / active EE | $3,111 | $4,812-35.3% | $6,282-50.5% | $3,203-2.9% |
| Admin fee / account holder | $1,546 | $5,372-71.2% | $9,324-83.4% | $4,296-64.0% |