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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 | $21,181 | $103,393-79.5% | $87,103-75.7% | $152,909-86.1% |
| Participation rate | 63.6% | 79.4%-15.7pp | 76.9%-13.2pp | 82.5%-18.8pp |
| Annual return | 56.73% | 28.10%+28.6pp | 28.19%+28.5pp | 345.46%-288.7pp |
| Employer contribution / active EE | $3,220 | $3,2210% | $2,521+27.7% | $4,764-32.4% |
| Participant deferral / active EE | $5,277 | $4,778+10.4% | $4,049+30.3% | $5,851-9.8% |
| Admin fee / account holder | $2,192 | $12,195-82.0% | $7,491-70.7% | $11,601-81.1% |