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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 | $23,106 | $86,298-73.2% | $111,308-79.2% | $85,847-73.1% |
| Participation rate | 62.4% | 73.3%-11.0pp | 77.3%-15.0pp | 69.3%-7.0pp |
| Annual return | 35.92% | 19.99%+15.9pp | 54.67%-18.7pp | 318.61%-282.7pp |
| Employer contribution / active EE | $1,584 | $2,044-22.5% | $2,732-42.0% | $2,565-38.2% |
| Participant deferral / active EE | $2,265 | $3,641-37.8% | $4,487-49.5% | $3,952-42.7% |
| Admin fee / account holder | $906 | $8,189-88.9% | $7,965-88.6% | $6,261-85.5% |