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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 | $23,590 | $162,812-85.5% | $133,971-82.4% | $158,966-85.2% |
| Participation rate | 60.0% | 83.2%-23.2pp | 79.8%-19.8pp | 82.0%-22.0pp |
| Annual return | 36.45% | 41.94%-5.5pp | 45.09%-8.6pp | 302.95%-266.5pp |
| Employer contribution / active EE | $1,374 | $4,976-72.4% | $3,919-64.9% | $4,762-71.1% |
| Participant deferral / active EE | $2,648 | $5,910-55.2% | $5,047-47.5% | $5,983-55.7% |
| Admin fee / account holder | $606 | $11,741-94.8% | $8,929-93.2% | $11,250-94.6% |