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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 | $20,264 | $65,084-68.9% | $67,681-70.1% | $64,340-68.5% |
| Participation rate | 64.5% | 66.7%-2.2pp | 73.7%-9.2pp | 55.2%+9.2pp |
| Annual return | 12.72% | 20.50%-7.8pp | 590.58%-577.9pp | 24.14%-11.4pp |
| Employer contribution / active EE | $895 | $2,398-62.7% | $2,678-66.6% | $1,862-51.9% |
| Participant deferral / active EE | $2,934 | $3,210-8.6% | $3,976-26.2% | $2,980-1.5% |
| Admin fee / account holder | $2,103 | $1,415+48.6% | $6,100-65.5% | $3,703-43.2% |