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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 | $21,699 | $72,492-70.1% | $87,102-75.1% | $72,983-70.3% |
| Participation rate | 68.3% | 72.8%-4.5pp | 76.9%-8.6pp | 69.5%-1.2pp |
| Annual return | 106.34% | 24.46%+81.9pp | 28.19%+78.2pp | 81.01%+25.3pp |
| Employer contribution / active EE | $3,640 | $1,894+92.2% | $2,521+44.4% | $2,440+49.2% |
| Participant deferral / active EE | $7,399 | $3,270+126.3% | $4,048+82.8% | $3,608+105.1% |
| Admin fee / account holder | $695 | $5,055-86.3% | $7,491-90.7% | $5,124-86.4% |