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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 | $16,256 | $117,846-86.2% | $102,434-84.1% | $145,884-88.9% |
| Participation rate | 55.0% | 78.6%-23.6pp | 76.5%-21.5pp | 80.3%-25.3pp |
| Annual return | 9.94% | 31.90%-22.0pp | 29.46%-19.5pp | 551.85%-541.9pp |
| Employer contribution / active EE | $1,728 | $3,615-52.2% | $3,023-42.9% | $4,662-62.9% |
| Participant deferral / active EE | $1,996 | $5,733-65.2% | $5,055-60.5% | $6,690-70.2% |
| Admin fee / account holder | $1,793 | $13,356-86.6% | $9,462-81.1% | $13,392-86.6% |