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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 | $10,762 | $63,114-82.9% | $92,915-88.4% | $65,186-83.5% |
| Participation rate | 44.7% | 68.8%-24.0pp | 76.0%-31.3pp | 70.2%-25.5pp |
| Annual return | 34.55% | 28.75%+5.8pp | 109.45%-74.9pp | 29.39%+5.2pp |
| Employer contribution / active EE | $1,048 | $2,571-59.2% | $3,653-71.3% | $2,177-51.8% |
| Participant deferral / active EE | $2,025 | $3,108-34.8% | $4,238-52.2% | $3,514-42.4% |
| Admin fee / account holder | $328 | $624-47.3% | $5,796-94.3% | $847-61.2% |