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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 | $30,770 | $94,031-67.3% | $115,768-73.4% | $82,448-62.7% |
| Participation rate | 48.8% | 70.4%-21.6pp | 74.4%-25.6pp | 68.1%-19.3pp |
| Annual return | 18.70% | 20.61%-1.9pp | 100.46%-81.8pp | 41.64%-22.9pp |
| Employer contribution / active EE | $786 | $2,323-66.2% | $2,940-73.3% | $2,551-69.2% |
| Participant deferral / active EE | $2,138 | $3,972-46.2% | $4,917-56.5% | $4,139-48.3% |
| Admin fee / account holder | $2,754 | $10,249-73.1% | $12,439-77.9% | $7,234-61.9% |