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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 | $14,422 | $68,681-79.0% | $86,625-83.4% | $85,851-83.2% |
| Participation rate | 63.9% | 66.4%-2.5pp | 71.6%-7.8pp | 69.3%-5.4pp |
| Annual return | 19.57% | 20.12%-0.6pp | 63.52%-44.0pp | 318.63%-299.1pp |
| Employer contribution / active EE | $2,065 | $1,880+9.8% | $2,496-17.3% | $2,565-19.5% |
| Participant deferral / active EE | $3,854 | $2,919+32.0% | $3,700+4.2% | $3,952-2.5% |
| Admin fee / account holder | $746 | $5,974-87.5% | $5,830-87.2% | $6,261-88.1% |