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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 | $13,999 | $43,423-67.8% | $78,676-82.2% | $55,167-74.6% |
| Participation rate | 60.3% | 68.0%-7.7pp | 73.6%-13.2pp | 69.0%-8.7pp |
| Annual return | 25.90% | 11.53%+14.4pp | 62.19%-36.3pp | 169.23%-143.3pp |
| Employer contribution / active EE | $1,600 | $1,997-19.9% | $2,850-43.9% | $1,963-18.5% |
| Participant deferral / active EE | $3,020 | $2,509+20.4% | $3,517-14.1% | $3,054-1.1% |
| Admin fee / account holder | $694 | $416+66.8% | $4,510-84.6% | $504+37.7% |