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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 | $20,582 | $98,766-79.2% | $149,730-86.3% | $79,852-74.2% |
| Participation rate | 64.9% | 75.8%-10.9pp | 82.5%-17.6pp | 69.6%-4.7pp |
| Annual return | 24.93% | 27.43%-2.5pp | 276.70%-251.8pp | 31.72%-6.8pp |
| Employer contribution / active EE | $1,797 | $3,217-44.1% | $4,645-61.3% | $2,471-27.3% |
| Participant deferral / active EE | $2,797 | $5,681-50.8% | $6,843-59.1% | $3,740-25.2% |
| Admin fee / account holder | $2,881 | $6,052-52.4% | $9,310-69.1% | $5,306-45.7% |