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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 | $28,061 | $83,485-66.4% | $125,195-77.6% | $72,976-61.5% |
| Participation rate | 44.0% | 73.3%-29.3pp | 79.8%-35.8pp | 69.5%-25.5pp |
| Annual return | 20.96% | 25.77%-4.8pp | 43.79%-22.8pp | 81.02%-60.1pp |
| Employer contribution / active EE | $757 | $2,346-67.7% | $3,866-80.4% | $2,440-69.0% |
| Participant deferral / active EE | $1,717 | $3,586-52.1% | $4,937-65.2% | $3,608-52.4% |
| Admin fee / account holder | $493 | $5,518-91.1% | $9,704-94.9% | $5,124-90.4% |