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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 | $20,668 | $88,672-76.7% | $105,223-80.4% | $82,448-74.9% |
| Participation rate | 65.0% | 67.9%-2.9pp | 75.0%-10.0pp | 68.1%-3.1pp |
| Annual return | 16.46% | 30.86%-14.4pp | 180.65%-164.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,200 | $3,048-60.6% | $3,689-67.5% | $2,551-53.0% |
| Participant deferral / active EE | $1,913 | $4,036-52.6% | $5,072-62.3% | $4,139-53.8% |
| Admin fee / account holder | $2,078 | $7,146-70.9% | $8,859-76.5% | $7,234-71.3% |