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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 | $22,990 | $105,198-78.1% | $159,455-85.6% | $85,856-73.2% |
| Participation rate | 58.6% | 75.8%-17.2pp | 82.8%-24.3pp | 69.3%-10.7pp |
| Annual return | 18.01% | 45.08%-27.1pp | 263.63%-245.6pp | 318.58%-300.6pp |
| Employer contribution / active EE | $698 | $3,319-79.0% | $4,830-85.6% | $2,565-72.8% |
| Participant deferral / active EE | $4,136 | $5,946-30.4% | $7,353-43.7% | $3,952+4.7% |
| Admin fee / account holder | $478 | $6,934-93.1% | $10,800-95.6% | $6,261-92.4% |