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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 | $21,392 | $149,679-85.7% | $117,039-81.7% | $147,586-85.5% |
| Participation rate | 59.1% | 83.5%-24.4pp | 77.2%-18.1pp | 82.8%-23.7pp |
| Annual return | 19.66% | 19.31%+0.3pp | 18.95%+0.7pp | 578.59%-558.9pp |
| Employer contribution / active EE | $2,104 | $4,937-57.4% | $3,785-44.4% | $4,876-56.9% |
| Participant deferral / active EE | $5,910 | $4,912+20.3% | $3,929+50.4% | $5,439+8.7% |
| Admin fee / account holder | $1,769 | $7,856-77.5% | $5,974-70.4% | $10,886-83.7% |