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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 | $19,868 | $81,208-75.5% | $98,920-79.9% | $79,856-75.1% |
| Participation rate | 66.0% | 72.5%-6.5pp | 76.0%-10.1pp | 69.6%-3.7pp |
| Annual return | 20.54% | 60.99%-40.5pp | 196.47%-175.9pp | 31.71%-11.2pp |
| Employer contribution / active EE | $1,472 | $1,960-24.9% | $2,689-45.3% | $2,471-40.4% |
| Participant deferral / active EE | $2,354 | $3,265-27.9% | $4,245-44.5% | $3,741-37.1% |
| Admin fee / account holder | $795 | $6,013-86.8% | $6,643-88.0% | $5,306-85.0% |