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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 | $18,346 | $59,006-68.9% | $97,260-81.1% | $74,459-75.4% |
| Participation rate | 29.1% | 63.7%-34.6pp | 72.7%-43.5pp | 67.2%-38.1pp |
| Annual return | 18.05% | 16.04%+2.0pp | 75.54%-57.5pp | 1369.70%-1351.6pp |
| Employer contribution / active EE | $896 | $1,894-52.7% | $2,721-67.1% | $2,626-65.9% |
| Participant deferral / active EE | $1,569 | $3,671-57.3% | $4,262-63.2% | $4,350-63.9% |
| Admin fee / account holder | $833 | $1,974-57.8% | $5,640-85.2% | $1,945-57.2% |