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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 | $21,681 | $86,288-74.9% | $111,306-80.5% | $85,851-74.7% |
| Participation rate | 64.7% | 73.3%-8.6pp | 77.3%-12.6pp | 69.3%-4.6pp |
| Annual return | 15.33% | 19.99%-4.7pp | 54.67%-39.3pp | 318.63%-303.3pp |
| Employer contribution / active EE | $1,334 | $2,044-34.7% | $2,732-51.2% | $2,565-48.0% |
| Participant deferral / active EE | $3,244 | $3,641-10.9% | $4,488-27.7% | $3,952-17.9% |
| Admin fee / account holder | $600 | $8,189-92.7% | $7,966-92.5% | $6,261-90.4% |