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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 | $23,200 | $102,422-77.3% | $147,117-84.2% | $80,959-71.3% |
| Participation rate | 65.9% | 75.9%-10.0pp | 82.2%-16.3pp | 67.7%-1.8pp |
| Annual return | 13.21% | 135.16%-121.9pp | 420.54%-407.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $2,596 | $3,717-30.2% | $4,932-47.4% | $2,757-5.9% |
| Participant deferral / active EE | $5,278 | $6,652-20.7% | $8,065-34.6% | $4,300+22.7% |
| Admin fee / account holder | $9,281 | $7,953+16.7% | $12,993-28.6% | $6,925+34.0% |