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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 | $24,995 | $86,288-71.0% | $111,306-77.5% | $85,851-70.9% |
| Participation rate | 60.5% | 73.3%-12.8pp | 77.3%-16.8pp | 69.3%-8.8pp |
| Annual return | 40.81% | 19.99%+20.8pp | 54.67%-13.9pp | 318.63%-277.8pp |
| Employer contribution / active EE | $1,113 | $2,044-45.6% | $2,732-59.3% | $2,565-56.6% |
| Participant deferral / active EE | $3,824 | $3,641+5.0% | $4,488-14.8% | $3,952-3.2% |
| Admin fee / account holder | $3,122 | $8,189-61.9% | $7,966-60.8% | $6,261-50.1% |