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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 | $23,075 | $83,369-72.3% | $105,223-78.1% | $67,986-66.1% |
| Participation rate | 31.5% | 56.3%-24.8pp | 75.0%-43.5pp | 57.2%-25.7pp |
| Annual return | 23.24% | 24.64%-1.4pp | 180.65%-157.4pp | 31.67%-8.4pp |
| Employer contribution / active EE | $1,469 | $2,541-42.2% | $3,689-60.2% | $2,019-27.2% |
| Participant deferral / active EE | $2,191 | $3,295-33.5% | $5,072-56.8% | $3,358-34.8% |
| Admin fee / account holder | $1,998 | $4,073-50.9% | $8,859-77.4% | $3,203-37.6% |