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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 | $18,598 | $55,122-66.3% | $104,639-82.2% | $73,497-74.7% |
| Participation rate | 28.6% | 67.7%-39.2pp | 74.1%-45.5pp | 70.7%-42.1pp |
| Annual return | 27.36% | 24.77%+2.6pp | 340.67%-313.3pp | 28.51%-1.2pp |
| Employer contribution / active EE | $1,134 | $1,464-22.6% | $2,682-57.7% | $2,270-50.1% |
| Participant deferral / active EE | $1,848 | $2,919-36.7% | $3,738-50.6% | $3,740-50.6% |
| Admin fee / account holder | $1,095 | $423+159.0% | $6,465-83.1% | $513+113.5% |