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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 | $22,349 | $89,364-75.0% | $141,177-84.2% | $72,983-69.4% |
| Participation rate | 52.9% | 75.1%-22.2pp | 82.5%-29.5pp | 69.5%-16.5pp |
| Annual return | 19.20% | 111.86%-92.7pp | 71.40%-52.2pp | 81.01%-61.8pp |
| Employer contribution / active EE | $1,476 | $3,115-52.6% | $4,736-68.8% | $2,440-39.5% |
| Participant deferral / active EE | $4,546 | $5,419-16.1% | $6,710-32.2% | $3,608+26.0% |
| Admin fee / account holder | $952 | $5,959-84.0% | $10,263-90.7% | $5,124-81.4% |