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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 | $22,838 | $201,344-88.7% | $184,243-87.6% | $145,877-84.3% |
| Participation rate | 58.3% | 87.5%-29.2pp | 86.8%-28.5pp | 80.3%-22.0pp |
| Annual return | 16.74% | 29.01%-12.3pp | 28.82%-12.1pp | 551.28%-534.5pp |
| Employer contribution / active EE | $1,660 | $7,022-76.4% | $6,427-74.2% | $4,663-64.4% |
| Participant deferral / active EE | $4,021 | $9,807-59.0% | $9,132-56.0% | $6,691-39.9% |
| Admin fee / account holder | $1,343 | $16,382-91.8% | $13,914-90.4% | $13,402-90.0% |