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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 | $20,937 | $106,749-80.4% | $145,433-85.6% | $82,448-74.6% |
| Participation rate | 63.0% | 75.6%-12.7pp | 82.1%-19.2pp | 68.1%-5.1pp |
| Annual return | 16.61% | 27.59%-11.0pp | 66.58%-50.0pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,368 | $3,444-60.3% | $4,554-70.0% | $2,551-46.4% |
| Participant deferral / active EE | $4,652 | $6,519-28.6% | $7,897-41.1% | $4,139+12.4% |
| Admin fee / account holder | $6,248 | $8,390-25.5% | $13,129-52.4% | $7,234-13.6% |