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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 | $18,231 | $89,367-79.6% | $141,191-87.1% | $72,975-75.0% |
| Participation rate | 68.8% | 75.1%-6.4pp | 82.5%-13.7pp | 69.5%-0.7pp |
| Annual return | 52.19% | 111.87%-59.7pp | 71.41%-19.2pp | 81.01%-28.8pp |
| Employer contribution / active EE | $2,585 | $3,115-17.0% | $4,736-45.4% | $2,440+5.9% |
| Participant deferral / active EE | $5,815 | $5,419+7.3% | $6,710-13.3% | $3,608+61.2% |
| Admin fee / account holder | $3,553 | $5,957-40.3% | $10,264-65.4% | $5,124-30.7% |