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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 | $18,247 | $67,411-72.9% | $91,004-79.9% | $70,126-74.0% |
| Participation rate | 61.7% | 71.4%-9.7pp | 75.6%-13.9pp | 69.5%-7.8pp |
| Annual return | 18.66% | -40.16%+58.8pp | 4.60%+14.1pp | 73.15%-54.5pp |
| Employer contribution / active EE | $1,472 | $1,786-17.6% | $2,456-40.1% | $2,343-37.2% |
| Participant deferral / active EE | $3,145 | $2,823+11.4% | $3,548-11.3% | $3,332-5.6% |
| Admin fee / account holder | $1,144 | $4,236-73.0% | $5,417-78.9% | $4,645-75.4% |