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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 | $25,104 | $78,423-68.0% | $95,964-73.8% | $79,856-68.6% |
| Participation rate | 69.2% | 73.5%-4.3pp | 77.1%-7.9pp | 69.6%-0.4pp |
| Annual return | 12.88% | 19.37%-6.5pp | 91.64%-78.8pp | 31.71%-18.8pp |
| Employer contribution / active EE | $1,865 | $1,945-4.1% | $2,541-26.6% | $2,471-24.5% |
| Participant deferral / active EE | $2,194 | $3,440-36.2% | $4,167-47.3% | $3,741-41.3% |
| Admin fee / account holder | $1,733 | $5,622-69.2% | $6,797-74.5% | $5,306-67.3% |