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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 | $17,662 | $68,880-74.4% | $120,580-85.4% | $80,959-78.2% |
| Participation rate | 42.4% | 61.7%-19.3pp | 72.0%-29.5pp | 67.7%-25.2pp |
| Annual return | 45.85% | 23.68%+22.2pp | 107.48%-61.6pp | 35.67%+10.2pp |
| Employer contribution / active EE | $1,134 | $2,066-45.1% | $3,469-67.3% | $2,757-58.9% |
| Participant deferral / active EE | $1,802 | $3,191-43.5% | $4,995-63.9% | $4,300-58.1% |
| Admin fee / account holder | $939 | $5,785-83.8% | $9,418-90.0% | $6,925-86.4% |