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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 | $16,137 | $48,364-66.6% | $71,796-77.5% | $62,881-74.3% |
| Participation rate | 53.2% | 60.6%-7.4pp | 69.1%-15.9pp | 69.3%-16.1pp |
| Annual return | 26.27% | 13.16%+13.1pp | 78.04%-51.8pp | 20.14%+6.1pp |
| Employer contribution / active EE | $1,836 | $1,042+76.2% | $1,924-4.6% | $2,281-19.5% |
| Participant deferral / active EE | $4,091 | $2,091+95.6% | $2,794+46.4% | $3,203+27.7% |
| Admin fee / account holder | $827 | $3,771-78.1% | $4,815-82.8% | $4,296-80.8% |