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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 | $21,341 | $65,703-67.5% | $94,224-77.4% | $59,632-64.2% |
| Participation rate | 62.5% | 72.1%-9.6pp | 78.8%-16.3pp | 68.7%-6.2pp |
| Annual return | -2.32% | 5.22%-7.5pp | 10.68%-13.0pp | 2041.32%-2043.6pp |
| Employer contribution / active EE | $1,624 | $2,021-19.6% | $3,587-54.7% | $2,203-26.3% |
| Participant deferral / active EE | $1,704 | $3,143-45.8% | $4,320-60.5% | $3,192-46.6% |
| Admin fee / account holder | $1,634 | $4,264-61.7% | $6,269-73.9% | $4,297-62.0% |