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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 | $19,168 | $68,868-72.2% | $183,328-89.5% | $67,986-71.8% |
| Participation rate | 22.3% | 57.0%-34.7pp | 77.3%-55.0pp | 57.2%-34.9pp |
| Annual return | 58.48% | 28.80%+29.7pp | 29.67%+28.8pp | 31.67%+26.8pp |
| Employer contribution / active EE | $949 | $2,917-67.5% | $5,055-81.2% | $2,019-53.0% |
| Participant deferral / active EE | $1,624 | $4,364-62.8% | $6,795-76.1% | $3,358-51.7% |
| Admin fee / account holder | $2,253 | $3,805-40.8% | $21,427-89.5% | $3,203-29.7% |