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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 | $18,017 | $79,223-77.3% | $102,460-82.4% | $74,478-75.8% |
| Participation rate | 64.3% | 74.8%-10.4pp | 76.5%-12.2pp | 67.2%-2.9pp |
| Annual return | 21.48% | 54.98%-33.5pp | 29.47%-8.0pp | 1370.56%-1349.1pp |
| Employer contribution / active EE | $2,118 | $2,363-10.4% | $3,025-30.0% | $2,626-19.4% |
| Participant deferral / active EE | $3,971 | $4,417-10.1% | $5,056-21.5% | $4,350-8.7% |
| Admin fee / account holder | $2,172 | $2,003+8.4% | $9,460-77.0% | $1,946+11.6% |