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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 | $22,041 | $91,559-75.9% | $133,978-83.5% | $79,856-72.4% |
| Participation rate | 64.5% | 73.3%-8.8pp | 79.8%-15.3pp | 69.6%-5.1pp |
| Annual return | 18.94% | 61.85%-42.9pp | 45.10%-26.2pp | 31.71%-12.8pp |
| Employer contribution / active EE | $3,687 | $2,384+54.7% | $3,919-5.9% | $2,471+49.2% |
| Participant deferral / active EE | $5,762 | $3,734+54.3% | $5,047+14.2% | $3,741+54.0% |
| Admin fee / account holder | $10,992 | $6,321+73.9% | $8,930+23.1% | $5,306+107.1% |