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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 | $21,602 | $93,345-76.9% | $119,126-81.9% | $87,485-75.3% |
| Participation rate | 57.7% | 68.7%-11.0pp | 75.8%-18.0pp | 68.9%-11.2pp |
| Annual return | 13.98% | 19.08%-5.1pp | 282.11%-268.1pp | 26.06%-12.1pp |
| Employer contribution / active EE | $973 | $3,172-69.3% | $4,034-75.9% | $2,596-62.5% |
| Participant deferral / active EE | $4,205 | $4,099+2.6% | $5,318-20.9% | $4,274-1.6% |
| Admin fee / account holder | $2,396 | $8,039-70.2% | $10,693-77.6% | $7,775-69.2% |