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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 | $19,198 | $93,617-79.5% | $135,982-85.9% | $75,177-74.5% |
| Participation rate | 69.4% | 75.2%-5.8pp | 81.9%-12.6pp | 67.2%+2.2pp |
| Annual return | 37.37% | 30.89%+6.5pp | 68.32%-31.0pp | 160.75%-123.4pp |
| Employer contribution / active EE | $836 | $3,538-76.4% | $4,859-82.8% | $2,671-68.7% |
| Participant deferral / active EE | $3,013 | $6,406-53.0% | $7,760-61.2% | $4,126-27.0% |
| Admin fee / account holder | $5,102 | $6,980-26.9% | $10,767-52.6% | $5,651-9.7% |