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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 | $24,812 | $101,950-75.7% | $125,529-80.2% | $86,983-71.5% |
| Participation rate | 61.4% | 70.2%-8.8pp | 74.7%-13.3pp | 69.5%-8.1pp |
| Annual return | 23.04% | 18.29%+4.8pp | 202.56%-179.5pp | 25.83%-2.8pp |
| Employer contribution / active EE | $2,695 | $2,358+14.3% | $3,058-11.9% | $2,584+4.3% |
| Participant deferral / active EE | $4,952 | $3,862+28.2% | $4,813+2.9% | $4,194+18.1% |
| Admin fee / account holder | $668 | $12,791-94.8% | $16,298-95.9% | $7,856-91.5% |