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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 | $21,982 | $86,298-74.5% | $111,308-80.3% | $85,847-74.4% |
| Participation rate | 64.4% | 73.3%-9.0pp | 77.3%-12.9pp | 69.3%-4.9pp |
| Annual return | 18.09% | 19.99%-1.9pp | 54.67%-36.6pp | 318.61%-300.5pp |
| Employer contribution / active EE | $2,547 | $2,044+24.6% | $2,732-6.7% | $2,565-0.7% |
| Participant deferral / active EE | $4,248 | $3,641+16.7% | $4,487-5.3% | $3,952+7.5% |
| Admin fee / account holder | $1,767 | $8,189-78.4% | $7,965-77.8% | $6,261-71.8% |