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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 | $17,705 | $56,110-68.4% | $94,993-81.4% | $70,124-74.8% |
| Participation rate | 50.7% | 65.0%-14.3pp | 73.9%-23.2pp | 69.5%-18.9pp |
| Annual return | 12.46% | 51.02%-38.6pp | 27.14%-14.7pp | 73.14%-60.7pp |
| Employer contribution / active EE | $723 | $1,442-49.9% | $2,603-72.2% | $2,342-69.2% |
| Participant deferral / active EE | $943 | $2,391-60.6% | $3,317-71.6% | $3,332-71.7% |
| Admin fee / account holder | $1,058 | $3,456-69.4% | $4,960-78.7% | $4,645-77.2% |