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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 | $96,731-77.7% | $123,973-82.6% | $86,983-75.2% |
| Participation rate | 57.7% | 70.0%-12.3pp | 76.7%-18.9pp | 69.5%-11.8pp |
| Annual return | 13.98% | 17.33%-3.3pp | 388.13%-374.1pp | 25.83%-11.9pp |
| Employer contribution / active EE | $973 | $3,297-70.5% | $4,126-76.4% | $2,584-62.4% |
| Participant deferral / active EE | $4,205 | $4,152+1.3% | $5,247-19.9% | $4,194+0.3% |
| Admin fee / account holder | $2,396 | $8,722-72.5% | $11,799-79.7% | $7,856-69.5% |