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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 | $21,765 | $83,369-73.9% | $105,223-79.3% | $67,986-68.0% |
| Participation rate | 67.0% | 56.3%+10.7pp | 75.0%-8.1pp | 57.2%+9.7pp |
| Annual return | 17.50% | 24.64%-7.1pp | 180.65%-163.1pp | 31.67%-14.2pp |
| Employer contribution / active EE | $1,166 | $2,541-54.1% | $3,689-68.4% | $2,019-42.3% |
| Participant deferral / active EE | $5,175 | $3,295+57.0% | $5,072+2.0% | $3,358+54.1% |
| Admin fee / account holder | $4,913 | $4,073+20.6% | $8,859-44.5% | $3,203+53.4% |