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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 | $23,535 | $87,132-73.0% | $105,624-77.7% | $80,959-70.9% |
| Participation rate | 55.6% | 70.4%-14.9pp | 75.3%-19.7pp | 67.7%-12.1pp |
| Annual return | 11.65% | 17.03%-5.4pp | 116.20%-104.6pp | 35.67%-24.0pp |
| Employer contribution / active EE | $945 | $2,397-60.6% | $3,168-70.2% | $2,757-65.7% |
| Participant deferral / active EE | $2,241 | $3,985-43.8% | $5,013-55.3% | $4,300-47.9% |
| Admin fee / account holder | $3,198 | $8,449-62.1% | $10,961-70.8% | $6,925-53.8% |