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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 | $20,901 | $96,731-78.4% | $123,973-83.1% | $86,983-76.0% |
| Participation rate | 59.6% | 70.0%-10.4pp | 76.7%-17.1pp | 69.5%-10.0pp |
| Annual return | 22.53% | 17.33%+5.2pp | 388.13%-365.6pp | 25.83%-3.3pp |
| Employer contribution / active EE | $2,485 | $3,297-24.6% | $4,126-39.8% | $2,584-3.9% |
| Participant deferral / active EE | $4,442 | $4,152+7.0% | $5,247-15.3% | $4,194+5.9% |
| Admin fee / account holder | $3,549 | $8,722-59.3% | $11,799-69.9% | $7,856-54.8% |