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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 | $21,642 | $85,766-74.8% | $136,298-84.1% | $70,126-69.1% |
| Participation rate | 69.6% | 74.2%-4.5pp | 81.9%-12.3pp | 69.5%+0.1pp |
| Annual return | 27.08% | 31.46%-4.4pp | 5156.27%-5129.2pp | 73.15%-46.1pp |
| Employer contribution / active EE | $3,057 | $2,966+3.1% | $4,696-34.9% | $2,343+30.5% |
| Participant deferral / active EE | $4,447 | $5,051-12.0% | $6,247-28.8% | $3,332+33.5% |
| Admin fee / account holder | $821 | $5,421-84.9% | $9,244-91.1% | $4,645-82.3% |