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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 | $20,667 | $102,422-79.8% | $147,117-86.0% | $80,959-74.5% |
| Participation rate | 65.8% | 75.9%-10.1pp | 82.2%-16.4pp | 67.7%-1.9pp |
| Annual return | 25.24% | 135.16%-109.9pp | 420.54%-395.3pp | 35.67%-10.4pp |
| Employer contribution / active EE | $2,788 | $3,717-25.0% | $4,932-43.5% | $2,757+1.1% |
| Participant deferral / active EE | $4,296 | $6,652-35.4% | $8,065-46.7% | $4,300-0.1% |
| Admin fee / account holder | $854 | $7,953-89.3% | $12,993-93.4% | $6,925-87.7% |