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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 | $17,273 | $65,361-73.6% | $92,903-81.4% | $72,983-76.3% |
| Participation rate | 67.2% | 68.3%-1.1pp | 76.0%-8.8pp | 69.5%-2.3pp |
| Annual return | 24.20% | 42.11%-17.9pp | 109.43%-85.2pp | 81.01%-56.8pp |
| Employer contribution / active EE | $1,558 | $2,594-39.9% | $3,653-57.3% | $2,440-36.1% |
| Participant deferral / active EE | $3,490 | $3,128+11.6% | $4,238-17.6% | $3,608-3.2% |
| Admin fee / account holder | $2,589 | $4,251-39.1% | $5,795-55.3% | $5,124-49.5% |