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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 | $14,512 | $101,798-85.7% | $165,071-91.2% | $80,935-82.1% |
| Participation rate | 51.7% | 71.8%-20.1pp | 78.6%-26.9pp | 67.7%-15.9pp |
| Annual return | 12.64% | 16.73%-4.1pp | 70.17%-57.5pp | 35.66%-23.0pp |
| Employer contribution / active EE | $2,136 | $2,954-27.7% | $4,347-50.9% | $2,757-22.5% |
| Participant deferral / active EE | $2,382 | $4,476-46.8% | $6,035-60.5% | $4,299-44.6% |
| Admin fee / account holder | $1,202 | $8,221-85.4% | $12,695-90.5% | $6,924-82.6% |