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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 | $19,950 | $101,795-80.4% | $165,100-87.9% | $80,959-75.4% |
| Participation rate | 63.5% | 71.8%-8.3pp | 78.6%-15.1pp | 67.7%-4.2pp |
| Annual return | 20.47% | 16.73%+3.7pp | 70.21%-49.7pp | 35.67%-15.2pp |
| Employer contribution / active EE | $1,887 | $2,954-36.1% | $4,348-56.6% | $2,757-31.6% |
| Participant deferral / active EE | $3,519 | $4,476-21.4% | $6,035-41.7% | $4,300-18.2% |
| Admin fee / account holder | $1,023 | $8,221-87.6% | $12,696-91.9% | $6,925-85.2% |