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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 | $14,068 | $63,346-77.8% | $92,239-84.7% | $70,124-79.9% |
| Participation rate | 66.7% | 68.7%-2.0pp | 76.5%-9.8pp | 69.5%-2.9pp |
| Annual return | 23.76% | 530.19%-506.4pp | 176.29%-152.5pp | 73.14%-49.4pp |
| Employer contribution / active EE | $1,798 | $2,471-27.2% | $3,680-51.1% | $2,342-23.2% |
| Participant deferral / active EE | $3,517 | $2,854+23.2% | $3,897-9.8% | $3,332+5.5% |
| Admin fee / account holder | $937 | $3,841-75.6% | $5,194-82.0% | $4,645-79.8% |