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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 | $22,355 | $105,284-78.8% | $150,734-85.2% | $94,015-76.2% |
| Participation rate | 63.0% | 71.7%-8.8pp | 78.4%-15.5pp | 70.8%-7.9pp |
| Annual return | 16.94% | 15.67%+1.3pp | 600.81%-583.9pp | 17.84%-0.9pp |
| Employer contribution / active EE | $1,060 | $3,599-70.6% | $4,918-78.5% | $2,790-62.0% |
| Participant deferral / active EE | $2,714 | $4,274-36.5% | $5,610-51.6% | $4,249-36.1% |
| Admin fee / account holder | $2,041 | $9,839-79.3% | $14,905-86.3% | $8,951-77.2% |