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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 | $15,621 | $98,766-84.2% | $149,730-89.6% | $79,852-80.4% |
| Participation rate | 30.6% | 75.8%-45.2pp | 82.5%-51.9pp | 69.6%-39.0pp |
| Annual return | 23.93% | 27.43%-3.5pp | 276.70%-252.8pp | 31.72%-7.8pp |
| Employer contribution / active EE | $1,174 | $3,217-63.5% | $4,645-74.7% | $2,471-52.5% |
| Participant deferral / active EE | $2,527 | $5,681-55.5% | $6,843-63.1% | $3,740-32.4% |
| Admin fee / account holder | $2,688 | $6,052-55.6% | $9,310-71.1% | $5,306-49.4% |