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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 | $18,899 | $86,298-78.1% | $111,308-83.0% | $85,847-78.0% |
| Participation rate | 43.6% | 73.3%-29.7pp | 77.3%-33.7pp | 69.3%-25.7pp |
| Annual return | 13.05% | 19.99%-6.9pp | 54.67%-41.6pp | 318.61%-305.6pp |
| Employer contribution / active EE | $1,078 | $2,044-47.3% | $2,732-60.6% | $2,565-58.0% |
| Participant deferral / active EE | $1,684 | $3,641-53.7% | $4,487-62.5% | $3,952-57.4% |
| Admin fee / account holder | $460 | $8,189-94.4% | $7,965-94.2% | $6,261-92.6% |