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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 | $21,934 | $89,364-75.5% | $141,177-84.5% | $72,983-69.9% |
| Participation rate | 56.8% | 75.1%-18.4pp | 82.5%-25.7pp | 69.5%-12.7pp |
| Annual return | 23.55% | 111.86%-88.3pp | 71.40%-47.9pp | 81.01%-57.5pp |
| Employer contribution / active EE | $997 | $3,115-68.0% | $4,736-78.9% | $2,440-59.1% |
| Participant deferral / active EE | $3,269 | $5,419-39.7% | $6,710-51.3% | $3,608-9.4% |
| Admin fee / account holder | $1,462 | $5,959-75.5% | $10,263-85.8% | $5,124-71.5% |