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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 | $18,181 | $65,361-72.2% | $92,903-80.4% | $72,983-75.1% |
| Participation rate | 61.3% | 68.3%-7.0pp | 76.0%-14.7pp | 69.5%-8.2pp |
| Annual return | 23.84% | 42.11%-18.3pp | 109.43%-85.6pp | 81.01%-57.2pp |
| Employer contribution / active EE | $1,285 | $2,594-50.5% | $3,653-64.8% | $2,440-47.3% |
| Participant deferral / active EE | $3,745 | $3,128+19.7% | $4,238-11.6% | $3,608+3.8% |
| Admin fee / account holder | $511 | $4,251-88.0% | $5,795-91.2% | $5,124-90.0% |