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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 | $18,375 | $117,829-84.4% | $102,423-82.1% | $145,877-87.4% |
| Participation rate | 63.6% | 78.6%-15.0pp | 76.5%-12.9pp | 80.3%-16.7pp |
| Annual return | 20.93% | 31.83%-10.9pp | 29.42%-8.5pp | 551.28%-530.4pp |
| Employer contribution / active EE | $1,781 | $3,615-50.7% | $3,023-41.1% | $4,663-61.8% |
| Participant deferral / active EE | $5,777 | $5,732+0.8% | $5,054+14.3% | $6,691-13.7% |
| Admin fee / account holder | $533 | $13,335-96.0% | $9,455-94.4% | $13,402-96.0% |