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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 | $18,934 | $86,298-78.1% | $111,308-83.0% | $85,847-77.9% |
| Participation rate | 21.9% | 73.3%-51.5pp | 77.3%-55.4pp | 69.3%-47.4pp |
| Annual return | 14.74% | 19.99%-5.2pp | 54.67%-39.9pp | 318.61%-303.9pp |
| Employer contribution / active EE | $1,078 | $2,044-47.3% | $2,732-60.5% | $2,565-58.0% |
| Participant deferral / active EE | $3,326 | $3,641-8.7% | $4,487-25.9% | $3,952-15.9% |
| Admin fee / account holder | $786 | $8,189-90.4% | $7,965-90.1% | $6,261-87.4% |