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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 | $17,639 | $88,672-80.1% | $105,223-83.2% | $82,448-78.6% |
| Participation rate | 48.1% | 67.9%-19.8pp | 75.0%-27.0pp | 68.1%-20.0pp |
| Annual return | 25.06% | 30.86%-5.8pp | 180.65%-155.6pp | 41.64%-16.6pp |
| Employer contribution / active EE | $2,529 | $3,048-17.0% | $3,689-31.4% | $2,551-0.8% |
| Participant deferral / active EE | $4,324 | $4,036+7.1% | $5,072-14.7% | $4,139+4.5% |
| Admin fee / account holder | $759 | $7,146-89.4% | $8,859-91.4% | $7,234-89.5% |