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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 | $20,892 | $89,367-76.6% | $141,191-85.2% | $72,975-71.4% |
| Participation rate | 65.2% | 75.1%-9.9pp | 82.5%-17.3pp | 69.5%-4.3pp |
| Annual return | 31.16% | 111.87%-80.7pp | 71.41%-40.3pp | 81.01%-49.9pp |
| Employer contribution / active EE | $1,444 | $3,115-53.6% | $4,736-69.5% | $2,440-40.8% |
| Participant deferral / active EE | $8,206 | $5,419+51.4% | $6,710+22.3% | $3,608+127.5% |
| Admin fee / account holder | $5,809 | $5,957-2.5% | $10,264-43.4% | $5,124+13.4% |