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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 | $18,844 | $80,332-76.5% | $107,187-82.4% | $64,097-70.6% |
| Participation rate | 46.9% | 54.4%-7.5pp | 75.0%-28.1pp | 55.2%-8.3pp |
| Annual return | 17.36% | 24.26%-6.9pp | 204.55%-187.2pp | 34.64%-17.3pp |
| Employer contribution / active EE | $1,254 | $2,501-49.9% | $3,782-66.8% | $1,891-33.7% |
| Participant deferral / active EE | $2,485 | $3,109-20.1% | $5,096-51.2% | $3,080-19.3% |
| Admin fee / account holder | $3,797 | $4,314-12.0% | $9,162-58.6% | $3,454+9.9% |