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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 | $18,438 | $139,948-86.8% | $121,663-84.8% | $154,746-88.1% |
| Participation rate | 57.1% | 78.0%-20.9pp | 74.5%-17.3pp | 80.7%-23.6pp |
| Annual return | 20.49% | 230.52%-210.0pp | 147.54%-127.0pp | 172.34%-151.8pp |
| Employer contribution / active EE | $1,660 | $3,521-52.9% | $3,020-45.0% | $4,379-62.1% |
| Participant deferral / active EE | $3,269 | $5,629-41.9% | $4,887-33.1% | $6,730-51.4% |
| Admin fee / account holder | $2,452 | $17,321-85.8% | $14,289-82.8% | $14,365-82.9% |