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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 | $19,422 | $162,821-88.1% | $133,978-85.5% | $158,982-87.8% |
| Participation rate | 60.0% | 83.2%-23.2pp | 79.8%-19.8pp | 82.0%-22.0pp |
| Annual return | 13.63% | 41.95%-28.3pp | 45.10%-31.5pp | 302.99%-289.4pp |
| Employer contribution / active EE | $2,046 | $4,976-58.9% | $3,919-47.8% | $4,763-57.0% |
| Participant deferral / active EE | $3,040 | $5,910-48.6% | $5,047-39.8% | $5,983-49.2% |
| Admin fee / account holder | $1,200 | $11,742-89.8% | $8,930-86.6% | $11,252-89.3% |