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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 | $16,884 | $78,636-78.5% | $105,607-84.0% | $74,459-77.3% |
| Participation rate | 51.5% | 72.8%-21.3pp | 75.3%-23.8pp | 67.2%-15.8pp |
| Annual return | 20.77% | 15.96%+4.8pp | 116.11%-95.3pp | 1369.70%-1348.9pp |
| Employer contribution / active EE | $1,602 | $2,523-36.5% | $3,167-49.4% | $2,626-39.0% |
| Participant deferral / active EE | $2,660 | $4,322-38.4% | $5,011-46.9% | $4,350-38.8% |
| Admin fee / account holder | $947 | $2,220-57.3% | $10,958-91.4% | $1,945-51.3% |