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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 | $25,973 | $91,559-71.6% | $133,978-80.6% | $79,856-67.5% |
| Participation rate | 57.1% | 73.3%-16.2pp | 79.8%-22.7pp | 69.6%-12.5pp |
| Annual return | 20.41% | 61.85%-41.4pp | 45.10%-24.7pp | 31.71%-11.3pp |
| Employer contribution / active EE | $1,193 | $2,384-50.0% | $3,919-69.6% | $2,471-51.7% |
| Participant deferral / active EE | $2,161 | $3,734-42.1% | $5,047-57.2% | $3,741-42.2% |
| Admin fee / account holder | $768 | $6,321-87.9% | $8,930-91.4% | $5,306-85.5% |