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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 | $22,270 | $96,731-77.0% | $123,973-82.0% | $86,983-74.4% |
| Participation rate | 51.5% | 70.0%-18.5pp | 76.7%-25.1pp | 69.5%-18.0pp |
| Annual return | 15.66% | 17.33%-1.7pp | 388.13%-372.5pp | 25.83%-10.2pp |
| Employer contribution / active EE | $1,072 | $3,297-67.5% | $4,126-74.0% | $2,584-58.5% |
| Participant deferral / active EE | $2,368 | $4,152-43.0% | $5,247-54.9% | $4,194-43.5% |
| Admin fee / account holder | $1,607 | $8,722-81.6% | $11,799-86.4% | $7,856-79.5% |