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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 | $16,526 | $81,208-79.6% | $98,920-83.3% | $79,856-79.3% |
| Participation rate | 66.2% | 72.5%-6.3pp | 76.0%-9.9pp | 69.6%-3.5pp |
| Annual return | 20.99% | 60.99%-40.0pp | 196.47%-175.5pp | 31.71%-10.7pp |
| Employer contribution / active EE | $975 | $1,960-50.3% | $2,689-63.8% | $2,471-60.6% |
| Participant deferral / active EE | $2,416 | $3,265-26.0% | $4,245-43.1% | $3,741-35.4% |
| Admin fee / account holder | $1,187 | $6,013-80.3% | $6,643-82.1% | $5,306-77.6% |