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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 | $19,894 | $65,072-69.4% | $66,439-70.1% | $65,306-69.5% |
| Participation rate | 62.0% | 69.1%-7.0pp | 74.5%-12.5pp | 57.7%+4.4pp |
| Annual return | 14.35% | 21.50%-7.2pp | 757.66%-743.3pp | 21.94%-7.6pp |
| Employer contribution / active EE | $1,246 | $2,475-49.7% | $2,637-52.7% | $1,967-36.7% |
| Participant deferral / active EE | $2,010 | $3,234-37.8% | $3,876-48.1% | $2,959-32.1% |
| Admin fee / account holder | $1,436 | $1,323+8.6% | $6,173-76.7% | $3,480-58.7% |