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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 | $22,891 | $125,797-81.8% | $170,043-86.5% | $75,173-69.5% |
| Participation rate | 60.0% | 83.6%-23.6pp | 87.0%-27.0pp | 67.2%-7.2pp |
| Annual return | 22.14% | 27.20%-5.1pp | 53.40%-31.3pp | 160.72%-138.6pp |
| Employer contribution / active EE | $1,872 | $4,616-59.5% | $6,790-72.4% | $2,671-29.9% |
| Participant deferral / active EE | $6,937 | $6,838+1.5% | $10,410-33.4% | $4,126+68.1% |
| Admin fee / account holder | $2,055 | $8,177-74.9% | $12,824-84.0% | $5,651-63.6% |