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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 | $22,290 | $81,208-72.6% | $98,920-77.5% | $79,856-72.1% |
| Participation rate | 46.2% | 72.5%-26.4pp | 76.0%-29.9pp | 69.6%-23.5pp |
| Annual return | 11.28% | 60.99%-49.7pp | 196.47%-185.2pp | 31.71%-20.4pp |
| Employer contribution / active EE | $866 | $1,960-55.8% | $2,689-67.8% | $2,471-65.0% |
| Participant deferral / active EE | $3,129 | $3,265-4.2% | $4,245-26.3% | $3,741-16.3% |
| Admin fee / account holder | $1,091 | $6,013-81.9% | $6,643-83.6% | $5,306-79.4% |