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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 | $20,092 | $88,672-77.3% | $105,223-80.9% | $82,448-75.6% |
| Participation rate | 47.1% | 67.9%-20.9pp | 75.0%-28.0pp | 68.1%-21.0pp |
| Annual return | 121.93% | 30.86%+91.1pp | 180.65%-58.7pp | 41.64%+80.3pp |
| Employer contribution / active EE | $1,304 | $3,048-57.2% | $3,689-64.7% | $2,551-48.9% |
| Participant deferral / active EE | $2,066 | $4,036-48.8% | $5,072-59.3% | $4,139-50.1% |
| Admin fee / account holder | $1,362 | $7,146-80.9% | $8,859-84.6% | $7,234-81.2% |