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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 | $80,674-73.0% | $119,126-81.7% | $64,340-66.2% |
| Participation rate | 67.0% | 55.2%+11.7pp | 75.8%-8.8pp | 55.2%+11.7pp |
| Annual return | 17.50% | 26.86%-9.4pp | 282.11%-264.6pp | 24.14%-6.6pp |
| Employer contribution / active EE | $1,166 | $2,564-54.5% | $4,034-71.1% | $1,862-37.4% |
| Participant deferral / active EE | $5,175 | $3,053+69.5% | $5,318-2.7% | $2,980+73.6% |
| Admin fee / account holder | $4,913 | $4,559+7.8% | $10,693-54.1% | $3,703+32.7% |