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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 | $18,505 | $98,776-81.3% | $149,745-87.6% | $79,856-76.8% |
| Participation rate | 69.3% | 75.8%-6.5pp | 82.5%-13.1pp | 69.6%-0.3pp |
| Annual return | 17.64% | 27.38%-9.7pp | 276.72%-259.1pp | 31.71%-14.1pp |
| Employer contribution / active EE | $1,699 | $3,217-47.2% | $4,646-63.4% | $2,471-31.3% |
| Participant deferral / active EE | $2,959 | $5,681-47.9% | $6,843-56.8% | $3,741-20.9% |
| Admin fee / account holder | $529 | $6,053-91.3% | $9,312-94.3% | $5,306-90.0% |