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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 | $19,784 | $227,597-91.3% | $189,575-89.6% | $167,536-88.2% |
| Participation rate | 63.6% | 82.5%-18.9pp | 78.4%-14.8pp | 82.1%-18.5pp |
| Annual return | 18.35% | 78.44%-60.1pp | 64.19%-45.8pp | 478.82%-460.5pp |
| Employer contribution / active EE | $612 | $5,316-88.5% | $4,412-86.1% | $4,839-87.4% |
| Participant deferral / active EE | $3,972 | $7,002-43.3% | $6,174-35.7% | $6,342-37.4% |
| Admin fee / account holder | $578 | $11,877-95.1% | $9,806-94.1% | $12,315-95.3% |