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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 | $21,670 | $98,766-78.1% | $149,730-85.5% | $79,852-72.9% |
| Participation rate | 67.6% | 75.8%-8.1pp | 82.5%-14.8pp | 69.6%-2.0pp |
| Annual return | 21.43% | 27.43%-6.0pp | 276.70%-255.3pp | 31.72%-10.3pp |
| Employer contribution / active EE | $1,924 | $3,217-40.2% | $4,645-58.6% | $2,471-22.1% |
| Participant deferral / active EE | $3,043 | $5,681-46.4% | $6,843-55.5% | $3,740-18.7% |
| Admin fee / account holder | $454 | $6,052-92.5% | $9,310-95.1% | $5,306-91.4% |