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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 | $21,932 | $87,106-74.8% | $105,607-79.2% | $80,935-72.9% |
| Participation rate | 52.9% | 70.4%-17.5pp | 75.3%-22.3pp | 67.7%-14.7pp |
| Annual return | 44.84% | 17.01%+27.8pp | 116.11%-71.3pp | 35.66%+9.2pp |
| Employer contribution / active EE | $1,669 | $2,396-30.3% | $3,167-47.3% | $2,757-39.5% |
| Participant deferral / active EE | $4,071 | $3,986+2.1% | $5,011-18.8% | $4,299-5.3% |
| Admin fee / account holder | $419 | $8,447-95.0% | $10,958-96.2% | $6,924-94.0% |