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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 | $21,922 | $201,370-89.1% | $184,256-88.1% | $145,897-85.0% |
| Participation rate | 52.9% | 87.5%-34.6pp | 86.8%-33.9pp | 80.3%-27.4pp |
| Annual return | 15.53% | 29.05%-13.5pp | 28.85%-13.3pp | 552.29%-536.8pp |
| Employer contribution / active EE | $1,704 | $7,024-75.7% | $6,427-73.5% | $4,663-63.4% |
| Participant deferral / active EE | $3,228 | $9,808-67.1% | $9,133-64.7% | $6,689-51.7% |
| Admin fee / account holder | $3,552 | $16,364-78.3% | $13,899-74.4% | $13,390-73.5% |