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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 | $20,825 | $72,486-71.3% | $87,103-76.1% | $72,976-71.5% |
| Participation rate | 65.5% | 72.8%-7.3pp | 76.9%-11.4pp | 69.5%-4.0pp |
| Annual return | 44.51% | 24.46%+20.0pp | 28.19%+16.3pp | 81.02%-36.5pp |
| Employer contribution / active EE | $539 | $1,894-71.5% | $2,521-78.6% | $2,440-77.9% |
| Participant deferral / active EE | $2,203 | $3,270-32.6% | $4,049-45.6% | $3,608-38.9% |
| Admin fee / account holder | $714 | $5,055-85.9% | $7,491-90.5% | $5,124-86.1% |