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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 | $31,011 | $125,797-75.3% | $170,043-81.8% | $75,173-58.7% |
| Participation rate | 62.5% | 83.6%-21.1pp | 87.0%-24.5pp | 67.2%-4.7pp |
| Annual return | 60.91% | 27.20%+33.7pp | 53.40%+7.5pp | 160.72%-99.8pp |
| Employer contribution / active EE | $2,196 | $4,616-52.4% | $6,790-67.7% | $2,671-17.8% |
| Participant deferral / active EE | $5,844 | $6,838-14.5% | $10,410-43.9% | $4,126+41.6% |
| Admin fee / account holder | $3,765 | $8,177-54.0% | $12,824-70.6% | $5,651-33.4% |