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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 | $16,046 | $78,707-79.6% | $117,861-86.4% | $70,126-77.1% |
| Participation rate | 54.5% | 73.2%-18.6pp | 79.7%-25.1pp | 69.5%-15.0pp |
| Annual return | 20.57% | 23.30%-2.7pp | 335.11%-314.5pp | 73.15%-52.6pp |
| Employer contribution / active EE | $1,331 | $2,223-40.2% | $3,786-64.9% | $2,343-43.2% |
| Participant deferral / active EE | $1,917 | $3,297-41.9% | $4,482-57.2% | $3,332-42.5% |
| Admin fee / account holder | $505 | $5,066-90.0% | $8,021-93.7% | $4,645-89.1% |