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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 | $21,978 | $105,200-79.1% | $159,474-86.2% | $85,847-74.4% |
| Participation rate | 58.8% | 75.8%-17.0pp | 82.8%-24.0pp | 69.3%-10.5pp |
| Annual return | 27.32% | 45.08%-17.8pp | 263.68%-236.4pp | 318.61%-291.3pp |
| Employer contribution / active EE | $1,995 | $3,319-39.9% | $4,831-58.7% | $2,565-22.2% |
| Participant deferral / active EE | $6,479 | $5,946+9.0% | $7,353-11.9% | $3,952+63.9% |
| Admin fee / account holder | $7,154 | $6,934+3.2% | $10,802-33.8% | $6,261+14.3% |