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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 | $19,988 | $88,672-77.5% | $105,223-81.0% | $82,448-75.8% |
| Participation rate | 57.1% | 67.9%-10.8pp | 75.0%-17.9pp | 68.1%-10.9pp |
| Annual return | 26.86% | 30.86%-4.0pp | 180.65%-153.8pp | 41.64%-14.8pp |
| Employer contribution / active EE | $1,405 | $3,048-53.9% | $3,689-61.9% | $2,551-44.9% |
| Participant deferral / active EE | $1,932 | $4,036-52.1% | $5,072-61.9% | $4,139-53.3% |
| Admin fee / account holder | $1,097 | $7,146-84.6% | $8,859-87.6% | $7,234-84.8% |