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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 | $20,983 | $69,977-70.0% | $108,582-80.7% | $62,881-66.6% |
| Participation rate | 56.8% | 72.9%-16.1pp | 79.6%-22.8pp | 69.3%-12.5pp |
| Annual return | 27.51% | 10.73%+16.8pp | -51.70%+79.2pp | 20.14%+7.4pp |
| Employer contribution / active EE | $765 | $2,135-64.2% | $3,758-79.6% | $2,281-66.5% |
| Participant deferral / active EE | $4,249 | $3,165+34.2% | $4,311-1.4% | $3,203+32.6% |
| Admin fee / account holder | $1,247 | $5,076-75.4% | $7,645-83.7% | $4,296-71.0% |