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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 | $16,597 | $112,915-85.3% | $90,965-81.8% | $158,950-89.6% |
| Participation rate | 55.6% | 74.7%-19.2pp | 69.0%-13.5pp | 82.0%-26.4pp |
| Annual return | 20.16% | 215.75%-195.6pp | 134.57%-114.4pp | 302.91%-282.7pp |
| Employer contribution / active EE | $1,983 | $2,894-31.5% | $2,122-6.6% | $4,762-58.4% |
| Participant deferral / active EE | $2,472 | $4,128-40.1% | $3,373-26.7% | $5,983-58.7% |
| Admin fee / account holder | $7,788 | $8,044-3.2% | $5,960+30.7% | $11,248-30.8% |