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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 | $26,994 | $78,707-65.7% | $117,861-77.1% | $70,126-61.5% |
| Participation rate | 51.4% | 73.2%-21.8pp | 79.7%-28.2pp | 69.5%-18.1pp |
| Annual return | 15.25% | 23.30%-8.0pp | 335.11%-319.9pp | 73.15%-57.9pp |
| Employer contribution / active EE | $960 | $2,223-56.8% | $3,786-74.6% | $2,343-59.0% |
| Participant deferral / active EE | $3,371 | $3,297+2.2% | $4,482-24.8% | $3,332+1.2% |
| Admin fee / account holder | $322 | $5,066-93.6% | $8,021-96.0% | $4,645-93.1% |