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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 | $14,740 | $60,349-75.6% | $74,184-80.1% | $62,881-76.6% |
| Participation rate | 57.7% | 72.7%-15.0pp | 76.6%-18.9pp | 69.3%-11.6pp |
| Annual return | 56.33% | 21.38%+35.0pp | 17.74%+38.6pp | 20.14%+36.2pp |
| Employer contribution / active EE | $1,095 | $1,680-34.8% | $2,370-53.8% | $2,281-52.0% |
| Participant deferral / active EE | $2,135 | $2,856-25.3% | $3,550-39.9% | $3,203-33.3% |
| Admin fee / account holder | $324 | $4,261-92.4% | $5,586-94.2% | $4,296-92.5% |