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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 | $16,790 | $65,566-74.4% | $86,235-80.5% | $75,177-77.7% |
| Participation rate | 39.0% | 60.5%-21.5pp | 69.0%-29.9pp | 67.2%-28.2pp |
| Annual return | 29.22% | 46.07%-16.9pp | 1170.03%-1140.8pp | 160.75%-131.5pp |
| Employer contribution / active EE | $877 | $1,553-43.5% | $2,381-63.2% | $2,671-67.2% |
| Participant deferral / active EE | $3,607 | $3,023+19.3% | $3,987-9.5% | $4,126-12.6% |
| Admin fee / account holder | $796 | $5,470-85.5% | $6,856-88.4% | $5,651-85.9% |