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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 | $18,401 | $64,324-71.4% | $118,914-84.5% | $79,856-77.0% |
| Participation rate | 39.4% | 64.9%-25.5pp | 75.4%-36.0pp | 69.6%-30.2pp |
| Annual return | 19.71% | 86.45%-66.7pp | 35.89%-16.2pp | 31.71%-12.0pp |
| Employer contribution / active EE | $972 | $1,836-47.0% | $3,264-70.2% | $2,471-60.6% |
| Participant deferral / active EE | $1,568 | $2,824-44.5% | $4,266-63.3% | $3,741-58.1% |
| Admin fee / account holder | $1,812 | $4,040-55.2% | $6,582-72.5% | $5,306-65.9% |