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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 | $13,613 | $89,364-84.8% | $141,177-90.4% | $72,983-81.3% |
| Participation rate | 66.7% | 75.1%-8.5pp | 82.5%-15.8pp | 69.5%-2.8pp |
| Annual return | 29.69% | 111.86%-82.2pp | 71.40%-41.7pp | 81.01%-51.3pp |
| Employer contribution / active EE | $1,585 | $3,115-49.1% | $4,736-66.5% | $2,440-35.0% |
| Participant deferral / active EE | $3,000 | $5,419-44.6% | $6,710-55.3% | $3,608-16.8% |
| Admin fee / account holder | $570 | $5,959-90.4% | $10,263-94.4% | $5,124-88.9% |