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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 | $18,535 | $106,918-82.7% | $84,021-77.9% | $152,897-87.9% |
| Participation rate | 68.8% | 75.2%-6.5pp | 69.0%-0.3pp | 82.5%-13.7pp |
| Annual return | 27.70% | 105.01%-77.3pp | 71.32%-43.6pp | 345.43%-317.7pp |
| Employer contribution / active EE | $713 | $2,735-73.9% | $1,984-64.0% | $4,764-85.0% |
| Participant deferral / active EE | $2,736 | $4,012-31.8% | $3,239-15.5% | $5,851-53.2% |
| Admin fee / account holder | $2,305 | $8,288-72.2% | $6,102-62.2% | $11,599-80.1% |