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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 | $16,989 | $110,240-84.6% | $96,544-82.4% | $139,487-87.8% |
| Participation rate | 69.6% | 78.1%-8.6pp | 76.0%-6.4pp | 80.3%-10.8pp |
| Annual return | 16.56% | 26.41%-9.9pp | 25.88%-9.3pp | 373.84%-357.3pp |
| Employer contribution / active EE | $1,926 | $3,622-46.8% | $2,966-35.1% | $4,755-59.5% |
| Participant deferral / active EE | $4,922 | $5,549-11.3% | $4,851+1.5% | $6,713-26.7% |
| Admin fee / account holder | $2,426 | $11,602-79.1% | $8,254-70.6% | $11,407-78.7% |