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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 | $24,705 | $78,428-68.5% | $95,960-74.3% | $79,852-69.1% |
| Participation rate | 40.7% | 73.5%-32.8pp | 77.1%-36.3pp | 69.6%-28.9pp |
| Annual return | 11.07% | 19.37%-8.3pp | 91.63%-80.6pp | 31.72%-20.7pp |
| Employer contribution / active EE | $1,001 | $1,945-48.6% | $2,541-60.6% | $2,471-59.5% |
| Participant deferral / active EE | $1,874 | $3,440-45.5% | $4,167-55.0% | $3,740-49.9% |
| Admin fee / account holder | $24,686 | $5,622+339.1% | $6,797+263.2% | $5,306+365.2% |