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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 | $24,706 | $78,428-68.5% | $95,960-74.3% | $79,852-69.1% |
| Participation rate | 63.6% | 73.5%-9.9pp | 77.1%-13.4pp | 69.6%-6.0pp |
| Annual return | 16.38% | 19.37%-3.0pp | 91.63%-75.3pp | 31.72%-15.3pp |
| Employer contribution / active EE | $1,289 | $1,945-33.7% | $2,541-49.3% | $2,471-47.8% |
| Participant deferral / active EE | $3,353 | $3,440-2.5% | $4,167-19.5% | $3,740-10.4% |
| Admin fee / account holder | $5,317 | $5,622-5.4% | $6,797-21.8% | $5,306+0.2% |