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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 | $30,939 | $137,414-77.5% | $189,537-83.7% | $85,847-64.0% |
| Participation rate | 66.0% | 84.6%-18.7pp | 87.8%-21.8pp | 69.3%-3.4pp |
| Annual return | 23.36% | 38.14%-14.8pp | 555.34%-532.0pp | 318.61%-295.3pp |
| Employer contribution / active EE | $1,796 | $4,344-58.7% | $6,161-70.9% | $2,565-30.0% |
| Participant deferral / active EE | $4,449 | $6,260-28.9% | $8,220-45.9% | $3,952+12.6% |
| Admin fee / account holder | $3,527 | $8,630-59.1% | $12,048-70.7% | $6,261-43.7% |