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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 | $19,732 | $99,652-80.2% | $78,778-75.0% | $147,586-86.6% |
| Participation rate | 40.0% | 76.2%-36.2pp | 69.2%-29.2pp | 82.8%-42.8pp |
| Annual return | 22.99% | 47.28%-24.3pp | 35.62%-12.6pp | 578.59%-555.6pp |
| Employer contribution / active EE | $1,006 | $2,796-64.0% | $1,986-49.4% | $4,876-79.4% |
| Participant deferral / active EE | $3,391 | $3,664-7.4% | $2,958+14.6% | $5,439-37.7% |
| Admin fee / account holder | $409 | $7,155-94.3% | $5,134-92.0% | $10,886-96.2% |