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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 | $21,924 | $89,367-75.5% | $141,191-84.5% | $72,975-70.0% |
| Participation rate | 68.8% | 75.1%-6.4pp | 82.5%-13.7pp | 69.5%-0.7pp |
| Annual return | 25.45% | 111.87%-86.4pp | 71.41%-46.0pp | 81.01%-55.6pp |
| Employer contribution / active EE | $1,931 | $3,115-38.0% | $4,736-59.2% | $2,440-20.8% |
| Participant deferral / active EE | $4,908 | $5,419-9.4% | $6,710-26.9% | $3,608+36.0% |
| Admin fee / account holder | $2,468 | $5,957-58.6% | $10,264-76.0% | $5,124-51.8% |