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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 | $27,062 | $162,785-83.4% | $133,959-79.8% | $158,950-83.0% |
| Participation rate | 50.0% | 83.2%-33.2pp | 79.8%-29.8pp | 82.0%-32.0pp |
| Annual return | 19.93% | 41.94%-22.0pp | 45.09%-25.2pp | 302.91%-283.0pp |
| Employer contribution / active EE | $1,261 | $4,975-74.7% | $3,919-67.8% | $4,762-73.5% |
| Participant deferral / active EE | $4,152 | $5,910-29.8% | $5,047-17.7% | $5,983-30.6% |
| Admin fee / account holder | $304 | $11,738-97.4% | $8,928-96.6% | $11,248-97.3% |