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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 | $21,613 | $78,707-72.5% | $117,861-81.7% | $70,126-69.2% |
| Participation rate | 53.5% | 73.2%-19.7pp | 79.7%-26.1pp | 69.5%-16.0pp |
| Annual return | 20.52% | 23.30%-2.8pp | 335.11%-314.6pp | 73.15%-52.6pp |
| Employer contribution / active EE | $1,185 | $2,223-46.7% | $3,786-68.7% | $2,343-49.4% |
| Participant deferral / active EE | $2,058 | $3,297-37.6% | $4,482-54.1% | $3,332-38.2% |
| Admin fee / account holder | $905 | $5,066-82.1% | $8,021-88.7% | $4,645-80.5% |