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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 | $18,960 | $73,532-74.2% | $178,540-89.4% | $74,459-74.5% |
| Participation rate | 43.3% | 66.6%-23.3pp | 77.1%-33.8pp | 67.2%-24.0pp |
| Annual return | 25.69% | 17.51%+8.2pp | 27.15%-1.5pp | 1369.70%-1344.0pp |
| Employer contribution / active EE | $1,685 | $2,221-24.1% | $3,953-57.4% | $2,626-35.8% |
| Participant deferral / active EE | $2,219 | $4,519-50.9% | $6,281-64.7% | $4,350-49.0% |
| Admin fee / account holder | $4,559 | $1,813+151.5% | $10,424-56.3% | $1,945+134.4% |