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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 | $80,332-72.9% | $107,187-79.7% | $64,097-66.0% |
| Participation rate | 67.0% | 54.4%+12.5pp | 75.0%-8.1pp | 55.2%+11.8pp |
| Annual return | 17.50% | 24.26%-6.8pp | 204.55%-187.0pp | 34.64%-17.1pp |
| Employer contribution / active EE | $1,166 | $2,501-53.4% | $3,782-69.2% | $1,891-38.4% |
| Participant deferral / active EE | $5,175 | $3,109+66.4% | $5,096+1.5% | $3,080+68.0% |
| Admin fee / account holder | $4,913 | $4,314+13.9% | $9,162-46.4% | $3,454+42.2% |