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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 | $17,071 | $76,551-77.7% | $123,894-86.2% | $62,881-72.9% |
| Participation rate | 46.1% | 73.0%-26.9pp | 81.4%-35.3pp | 69.3%-23.2pp |
| Annual return | 155.15% | 18.68%+136.5pp | 47.52%+107.6pp | 20.14%+135.0pp |
| Employer contribution / active EE | $1,936 | $2,882-32.8% | $4,617-58.1% | $2,281-15.1% |
| Participant deferral / active EE | $3,132 | $4,840-35.3% | $5,984-47.7% | $3,203-2.2% |
| Admin fee / account holder | $382 | $4,826-92.1% | $8,357-95.4% | $4,296-91.1% |