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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 | $13,301 | $78,705-83.1% | $117,860-88.7% | $70,124-81.0% |
| Participation rate | 66.3% | 73.2%-6.9pp | 79.7%-13.4pp | 69.5%-3.3pp |
| Annual return | 19.02% | 23.30%-4.3pp | 335.10%-316.1pp | 73.14%-54.1pp |
| Employer contribution / active EE | $1,334 | $2,223-40.0% | $3,786-64.8% | $2,342-43.1% |
| Participant deferral / active EE | $2,497 | $3,297-24.3% | $4,482-44.3% | $3,332-25.1% |
| Admin fee / account holder | $517 | $5,065-89.8% | $8,021-93.6% | $4,645-88.9% |