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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 | $17,189 | $71,192-75.9% | $117,861-85.4% | $62,293-72.4% |
| Participation rate | 64.8% | 74.2%-9.5pp | 79.7%-14.9pp | 69.5%-4.8pp |
| Annual return | 15.82% | 18.66%-2.8pp | 335.11%-319.3pp | 28.90%-13.1pp |
| Employer contribution / active EE | $1,709 | $1,934-11.6% | $3,786-54.9% | $2,042-16.3% |
| Participant deferral / active EE | $3,159 | $3,189-0.9% | $4,482-29.5% | $3,169-0.3% |
| Admin fee / account holder | $481 | $587-18.0% | $8,021-94.0% | $479+0.4% |