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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 | $21,294 | $108,825-80.4% | $156,181-86.4% | $82,448-74.2% |
| Participation rate | 69.2% | 72.4%-3.1pp | 78.8%-9.6pp | 68.1%+1.2pp |
| Annual return | 18.23% | 20.59%-2.4pp | 64.87%-46.6pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,030 | $2,870-64.1% | $4,294-76.0% | $2,551-59.6% |
| Participant deferral / active EE | $4,127 | $4,577-9.8% | $6,132-32.7% | $4,139-0.3% |
| Admin fee / account holder | $816 | $9,341-91.3% | $14,586-94.4% | $7,234-88.7% |